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I opted for early payments at 62 mainly for the following 3 reasons.
1. On a NPV cash flow basis, it takes 16 years or more for full retirement to be greater.
2. Who knows what the system will provide down the road. Despite politicians talk, a means test is probable.
3. Wife,who does not qualify on her own, can get 50% of mine early also

Of course all of this depends on one fundamental question. When are you going to die?
According to our local Social Security office, 90% of folks are taking it early.

Hope this helps. In any event, make your choice and enjoy life regardless
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