It would be leaving too much money on the table for me. There’s a pension involved. The difference between punching out at 63 and punching out at 66 is about $1k a month.
If you can still accomplish what you want without it, why not go sooner while you still have your health and can enjoy life?
How much is enough? That's the question I had to ask myself.
Even if I have to minimize a few things here or there, I'm going early while I'm still mobile and can enjoy life. Sure some things will be simplified a bit but still, going to be worth it, IMO.