Mostly gradual, but...
My hands became sensitive to cold (as in under 55F) in my 40s. Solution was gloves, except for the office I had which was against a minimally insulated outside wall and you really can't use a keyboard in gloves. Solution was a small portable heater to heat just my working space. 30 years later, the arthritis has progressed slowly (only the joint at the base of the left thumb shows any deformity) but the pain is constant - really annoying when my hobby of writing has now progressed to book length stories, with two books published (Kindle) and four in the pipeline (close to a million words in seven years). NSAIDs (even ibuprofen) help but my ancient digestive system doesn't like them in quantity so I have the choice of where I want to hurt.
In the past eleven years, I've survived back surgery (L4-L5 fusion), shoulder surgery (torn rotator cuff and biceps tendon), cancer surgery and multiple eye surgeries (cataracts and partial cornea transplants in both - now at 20/20 and 20/25 but need a hard contact to correct astigmatism and readers because my arms are too short).
I don't go up more than ten feet or so on ladders, don't climb trees and don't get on the roof due to minor balance issues. I do cut the grass, do the edging and trimming, trim limbs I can reach with a pole saw and pressure wash the house and walkways. I upgraded the basement bath last year (flooring, toilet, vanity, etc), rebuilt the front end of the riding mower (it's only 16 years old), designed and built a solar-charged backup "generator" for our frequent (usually short) power outages, did the plumbing and installed gas logs in one daughter's wood-burning fireplace last week.
All the surgeries interfered with going to the gym but I get some level of upper body exercise every time I pick up my 35lb toolbox ;-)
Three of my grandparents lived into their 80's, so I probably have some years left. I'm still planning to do things in the future - remove wallpaper and paint the kitchen, the dining room and the upstairs bath are at the top of the "honey do" list.
Although I FEEL "old" some days, when I stop planning, I'll BE "old".