Most people do not want to think about retiring early if they have not yet reached retirement age or their working capacity and health are still guaranteed. Maybe they are passionate and love their job or because they want to work and make money. I see many people thinking about retiring when they reach age but they continue to do personal work or open a business. There's a lot to worry about financially, depending on each country's welfare system and conditions. If someone wants to think of retiring early, it means they have other plans, a preference for more free time, or simply time to take care of their family.
Everyone's expectations from retirement are different. Some people like to work and have their daily routine, while others like to sit down and do things they want from time to time. One of the most important things to say about retirement is that the pension should enable a person to live comfortably.
It is also difficult for people who have been working for years and have a habit to make a retirement decision. As you mentioned, there are people with different expectations. While some continue their habits, others may hesitate to enter a new life that retirement will bring.