The simple fact of the matter is that older people, in general, don’t exercise nearly enough. And when they do exercise, they’re not doing the right exercises.
I see this first hand everyday in the gym. It’s filled with younger people, but very few older people.
Again, while I haven’t finished the book, Outlive, Dr. Attia writes about extending one’s healthspan, without the “four horsemen of chronic disease”, falls, etc.
So, while accidents happen, genetics plays a role, I don’t believe that extending our healthspan is mostly luck. But that’s IMO.
I’m not planning for the worst to happen, whether now, or 20 years from now. Life is not always linear, life has detours and I’ll deal with them then.