Well, your right as we age settings will need to be altered. As mentioned above try flipping the stem or get a very short adjustable one and raise it some. If you have your saddle correct now all you need to work on is your position. Get it setup just as if you were on a mountain bike. Not hunched over so your knees hit your belly and not too much reach. It would be half way inbetween upright and completely bent over in the drops. This should help and will make a world of difference on your back too. If all else fails, just change your bars for swept back treking bars.