Thx, Art.

A few comments on your comments:

My understanding is that 84 is the magic number you have to live to make it worthwhile to wait till full retirement age. I have very little confidence I'm going to make it to 84.

I hope your health improves or stops worsening.
I also think about not aging well so I've already done most everything I really wanted to. Of course I'd be more than happy to do more of it!
I thought the break-even age was more like 80.

...once I'm on [Social Security] they are less likely to mess around with it.

That is my concern as well. But they'll still mess with us by changing the COLA formula so we fall further and further behind inflation. They did this just a few months ago in SC with state pensions. The COLA is capped at 1% per year, not matter what the inflation rate is.

Key West. It's not like I'm getting any younger. Every year that goes by my arthritis gets worse.

I encourage you to discuss with Bonnie how much you'd love a Key West vacation over Christmas break (leaving enough time to spend with family, too--hey, maybe some of them would like to join you and share a rental!). You mention this sort of thing regularly; it's clearly important to you.

I wonder if you might benefit by replacing a bathtub with a jet tub? Hot, bubbly water feels soooo good! Also, does your health insurance cover massage therapy and/or physical therapy?