I think he is an eminently practical man as well as an unparalleled scholar and theologian. I believe he looked back at the final years of JP II with his declining health, and thought it better to step down before age and infirmity took their toll on him as well.
I think you’re right.
A prolonged incapacity could be damaging to the Church. I think he’s being a good and prudent shepherd.
Agree. He's a rarity - a brilliant yet kind and humble man, blessed with German practicality as well as a formidable intellect. He sees his health issues as an insurmountable obstacle to effectively carrying out his duties, particularly in light of the worldwide moral disintegration and the sharp divisions within the Church.