Something I have been sitting with: Mood at 52 and attributing it correctly Not looking for advice so much as other people's experience.
Bringing this here rather than to the general circle because the specifics change the answer.
Some background first, because it genuinely changes the answer and I have been given general advice three times that did not apply to me.
I have written out my results as a series rather than as single figures, because the trend is where my question actually lives.
Happy to answer questions if any of the detail would be useful to somebody else in the same position.
69