I am old(model 1950), but not fat and slow, maybe slower than 20 years ago but I still hold my own at clubrides. This winter more wet than snow, since this morning 1400 k. of riding.
Not having to work helps. My main aim this year is the dolomites marathon July 5th, 148 k and 4500 meters to climb. Last time was in 2007, when I said this is the last time. I am old enough to have forgotten why I said that then, it may come to a harsh surprise in July, we'll see.