My first symptoms started before that age. The third doctor finally diagnosed me correctly. With his help and the right treatment (the right medicine) I continued riding a lot. 26 years after my first symptoms I was riding a century plus aproximately another 50-75 miles a week. Some weeks much more. You need to ask the doctor about something like this. RA is not like OA.
There were times when it was bad but the correct meds kept me from getting more damage during those times and made for many more good years. Without that I would now be worse. RA is a lot different from OA, but it can feel the same at times. The agressive treatment keeps your future better for longer.
If you have OA in your toe what that means is, you had symptoms in your toe and possible visible evidence in the toe, but OA is systemic and can show up and be anywhere even if you don't feel it. I have OA and RA.

I was told I would eventually need new hips decades ago. But I don't now.

I agree with the advice that (typically, not always) the low effort spinning of cycling will help you get very good range of motion exercise without much force on the joints, compared to walking putting force on the joints and causing more pain and irritation. But walking helps keep the bones stronger than the low impact exercise of cycling. But it can be different for everyone, that's why I keep mentioning a good doctor. With correct supervision of a good doctor the right meds can be a huge benefit to your life. Of course you need to not exceed dosages etc. etc. With the help of the doctors advice you need to carefully weigh the risks of medicine compared to the risks of no medicine.

You might have decades of good riding ahead or you. I can ride a lot and not walk much, or walk some and not ride much. Not a huge problem. If you have a bad year, keep your bike, the next year might be a good one.