Rotating hips is the trick to a low position. For many men a split rail saddle allows this total range of rotation without discomfort. No clue for a woman.

Ride at 18mph sitting up, then go low. BINGO, eye-popper. Convert the extra effort over 50miles to leg strength output and the equation dictates efficiency - especially in your 60s and 70s. Tip = core strength. Hands steer the bike, they don't support 100% of upper body.

Only new skill needed = looking thru your eyebrows.

edit: And don't forget your reading glasses.