Yeah, that's definitely something to consider.I am similar age to you, and also, not married to Mrs R after 20 years together.
I am not moved to impart advice very often, but after a rather traumatic 2020, we are tying the knot asap. The reason? Being married when/if stuff that life can throw at you comes your way is way more convenient for dealing with random agencies and that.
Soz. Back on topic, I do have a funny and true story of how someone rather clumsily revealed a cheater to their other half. Pretty sure I have posted it before though.
Never know what's around the corner.