That’s what I’ve observed, too. But now mad then you do,find an exception.
I just chatted with one of my mom’s dearest friends from childhood. She is 94, drives, plays bridge, canasta, and sharp as a tack.
I’ve seen lots in their 90s in very bad shape by late 90s.
My father made it to two months shy of 93, but his last 4 years were not pretty. My FIL made it to 95, but his last 7 months were difficult.
My maternal grandmother made it to 87, then had a mild heart attack and was taken to the hospital. She was advised that she should consent to a streptokinase(?) injection to reduce the risk of a follow-on heart attack, and she declined. She had a second, fatal heart attack 2 hours later. I'm confident that she thought about the lives of those in her age cohort and contemplating recovery and rehab and whatever else might come down the pipe in terms of other maladies, and she just said it is time.