I think you're doing a fine job, Tom. As a city slicker, you get plenty of natural exercise that a lot of America doesn't get: walking to trains, walking to closer destinations, climbing a ton of stairs. I'm a bit jealous that you could actually get by without a car.
You're of retirement age, but you still work, and with that comes physical and mental exercise that retirees who have parked their butts in the couch don't get.
From pix you've shared, you're not overweight.
I'm not sure if you smoke or drink, but I doubt it.
You're setting a high bar for yourself by comparing yourself to folks here instead of "typical Americans".

We all have our own challenges. For example, I ride a lot more than you, but I also am always fighting the urge to drink too much or too often.
We have one guy who has a very high-maintenance family life.
Another guy with a >25 mile commute, which he meets the challenge of by taking an eBike.

Outside of this subforum, are a bunch of "sport cyclists" who don't also seem to see the bike as a tool, but only a piece of exercise equipment. That's kind of a shame to me, but that's how most American cyclists are, due to our overall poor infrastructure.

It's true variety!