Originally Posted by Coffee Mavin
Based on that I plan towards very comfortable retirement planning through 85 & very frugal thereafter if for some odd reason I live that long.
That's really an appropriate plan given that your expenses will shrink as you get 'less mobile'. I would worry a LTC scenario, though.
My dad just showed us how that's done; his long-term problems were cardiovascular, but his latest stroke, while minor, caused him to hit his head and take a traumatic brain injury, which rendered him almost completely immobile. He didn't last long that way, but we didn't know he wouldn't live for years requiring complete assistance through the day. Didn't see that one coming. They could have handled it financially, the worry would then be that he'd deplete the funds before my otherwise healthy mom needed them for her own decline, whatever that may come to be.
In my j*b I work a lot with statistics, enough to know that a lot of what folk try to do with them isn't appropriate. The statistical life expectancy calculators help you consider a lot of demonstrated things, but telling someone that their life expectancy is X kinda sets them up to think of it as 'when the batteries run out', and that's clearly not the case. The upper tail of that curve is more helpful IMHO, because it serves to bound the range of possibilities. Even then, each individuals' Mileage Will Vary.
I do know that you need to take family history with a grain of salt, as the medical situation of earlier generations was different than that now, and probably later when 'less mobile'. Who knows what new 'rotor-rooter' procedures they'll develop for my clogged arteries...
Essentially, the future is un-knowable. All any of us can do is take what comes before us, learn from it, and use that information to plan prudently.