SS is designed not to pay out as much as you pay in.
If you collect at 62 with a life expectancy of 15 years at 75% then you can weigh that against collecting at 66 with a life expectancy of 11 years at 100%.
Personally my dad died younger than the American average and that drove my decision. I hope you live long past you aunts and uncles and enjoy your SS to the max.
ALL of my aunts and uncles, my mother included, smoked their entire adult lives. Almost all died of cancer in one form or another. So that is a factor as well.................