As already touched on, will the person or company still be there in 15 years..here’s my true story....
I did exactly what you were looking at when I was 55. This was supposed to be a less stressful the job, 25% pay cut, closer to home, etc. etc. When I took the job, they gave me a very generous sign-on bonus, and told me I had to stay three years or I would have to pay it back. ( Yes, that would be a “stay” bonus actually) but I didn’t think much about it at the time and took the job.
I planned on retiring in 3 to 5 years. Then 2 months in, my DH got bad medical news.... as a result we decided to move up our plans, but no specific date set yet.
The job ended up to be not so stressless, however I was there about 9 months when our company was bought by a competitor. Departments were starting to be re-organized, and it looked like they wanted to phase me out as I was 20 years older than anyone else in my department. I decided to bide my time, and we started building our retirement home meanwhile.
A year and half into the job, the buyout transaction finally occurred, and on that date, it invalidated the original bonus requirement stay clause. So I didn’t have to pay back that bonus.
Coincidentally, later in the same month my annual bonus and another smaller stay bonus from the new employer were given out. I gave notice the day after they cleared in my bank account.
The total of those 3 bonuses was equal to six months pay for me.
So, you can say whatever you’re comfortable with, no one knows what will come...And imho, I think that was a ridiculous question to ask. I interviewed dozens of people and would never expect anyone to give an honest answer to such a leading question.....