Don’t be afraid of things beyond your control. Your portfolio will take some hits. Unexpected expenses can be, paradoxically, expected, and probably more often than you think. Yeah, you’ll have to pay for healthcare if your retire before you turn 65.
Once you’ve got the money part figured out, you have the luxury of deciding how you want to spend your remaining days. There are laudable reasons to continue the career, and some people cannot imagine doing anything else.