If you don’t take it at 62 you are “STUCK ON STUPID”
Many people get caught up in the deferred gratification trap.
But the rules of life that makes sense at 25, do not make sense at 60+
At 60+ time is running out and you should enjoy life sooner rather than later.
That said, a lot of people can’t afford to retire until 65 due to health insurance. But if you can afford it and don’t like your job, then go for it.