For me, probably not going early. Why? by the time I'm in my 60s, I can be senior in something, even if it's a widebody FO. If I don't want to fly a trip, I'll probably be able to drop it or swap it (these won't be crappy narrow body trips). And worse case, if I have to fly, probably an easy trip to Europe or Asia.
I'll still have health coverage, more $$$ added to my retirement, and S3 travel benefits to go places on my days off. Kids will be out of the house, so on my 20 days off a month, I'm sure I'll have time for my hobbies.
I think some guys talk a good game about leaving early, but not as many pull the plug early as we think.