Neil,
Welcome to the wonderful world of "Old Coffin Dodgers!" I retired when I was 46 and I can easily equate to the fear that others have had of spending all you have saved however, the abiding theme must be " If not now then when?"
Once you have paid all you debts and ensured the Ankle Biters are sorted then you must have a good time after all, you can't take it with you.
I wish you and yours a very happy and long retirement.
