More stringent medical requirements sound like a great idea in your twenties to mid thirties. Sometime in your mid 40s you start thinking, "well let's not go TOO crazy here..."

After all at some point the weight gets a little harder to take off, and the pages get a little blurry unless you wear cheaters, etc...

Getting old is no fun. 65 is plenty. I'll consider myself lucky if I can make it that long.