Good analysis. I’ll add that the best things people can do to maintain health are free or will actually cost you less money: Eat a balanced diet, keep weight down, exercise sensibly, avoid stress and get enough sleep. Many chronic health problems (I’m not saying all) are caused by neglecting those tenets.
I would say that most doctors agree, however, it is often impossible to avoid stress and many people he inherited diseases and health problems. Also, add quit smoking to your list.