If you’re working, don’t take it.
If you are forced out of the job market why would you not take it at 62.
Draining your retirement accounts so you can get a little more in SS down the road is crazy.
You might end up broke about the same time SS goes broke.
So protect YOUR money as long as possible.
After you pass minimum age of 62, then take SS when you stop working or reach full retirement age, whichever comes first.
Avoid depleting your 401k until you actually need the money.