My mom rode until a crash at 86. Didn't think she could ride fast enough after to feel comfortable in traffic so she stopped.
I carry a note on my wallet labeled "to Emergency Responders". It tells them that if I was riding, I died doing what I love and that it is not a tragedy. That said, my eyes are not what they were, my reflexes slower, strength less, more bones break crashing and I heal slower. The day will come when it is time to stop. Whether I am alive the next day is to be seen.