Really hard to figure out that ideal spot between too much credit and insufficient credit history because you don’t live on credit, particularly as you age beyond 65 and your score goes down anyway.
Well my Mom is 82 owns her home and does not drive so for her it does not matter, unlike most of us.
On the other end of the spectrum is my 22 year old grandson. His mom-my daughter- died 11 years ago and so we paid his college tuition and for his pick-up with cash from his trust fund even though his dad wanted him to borrow money for both “to establish credit”. Told him there was plenty of time for that later and if he couldn’t pay cash for something he needed to save up until he could.
He finally has a pretty good job, saves 20 percent of his check and is reasonably thrifty. Of course he doesn’t have a wife or children yet. Will be interesting to see how credit rating issues affect him as he grows older.