Interesting. I view the gambling the opposite way. If you take it early, you are gambling that you aren't going to live a long life where the larger benefits will be more useful, especially if you drain other resources. If I wait to collect but die early, I haven't really lose any bet because I didn't run out of money.
Put another way, my goal is to try to insure I have enough money to live comfortably no matter what age I die, rather than make sure I optimized the benefits for likely departure dates. If I wait to collect but die early, I won't have "beat the system", but I certainly will have had enough money during those few years so it won't bother me. Unless you know when you are going to die, it makes more sense to me to make sure you are covered for all ages rather than trying to squeeze more money out in an early death.
As you say, it's a personal decision.