"If I was in my mid 60s, had something worth more money than I can spend the rest of my life,just saying,I would want to enjoy it as soon as possible,and stay on as a consultant,part time."
I prefer no buyout..I would prefer long term play.
That's true if you are in mid 60 you want to enjoy $$ earlier, but the pandemic change the projects some can have.
Personally, I will not travel by these days, I will not change my car, etc..
It's like being on "pause/hold" because pandemic.