The whole point of investment is to get good return. Any investment is of no use if it cant benefit the investor. I have an opinion that don't wait till your 60's to start using your funds. Use them when you have energy in your body.
What will be use of a million dollar in your 60's when you can't move freely and have different odds with your health. Try to use your investment when you are young and have energies. Driving lamborgani is your 30's or 40's is more
Of course there are exceptions and have people in 60's and 70's that have good health, they can take the chance of using funds in later part of age.
Just my opinion.
Perhaps you are right but however each individuals or rather an investors has there objective, purpose and plans on why they intend to invest on Bitcoin because there people who are very wealthy that they can be able to acquire more than 20 Bitcoin without being affected on there financial state and perhaps such a person could decide to invest that much on Bitcoin and not because he intend to use the investment to buy one big stuff or the other but instead they invest the money for there family to have a better life when he is no more, so perhaps we cannot advise somebody with that motive to sell his investment all because of pleasure.
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I personally also agree that investment results (bitcoin/or other assets) will be better if enjoyed when you are still young and your body is in good health. But returning to each person, all bitcoin investors definitely have different investment intentions. It may be true, some people are able to buy 20 bitcoins without disrupting their assets. So it makes sense if these assets are planned for their children or grandchildren. Because rich people have personal finances that are very sufficient for themselves, without having to touch the profits from the bitcoin investment.
However, it's a different story if those who invest in Bitcoin are people who are not very rich (middle/lower middle class). Certainly more or less of these people want to feel the benefits of their investment. Because from the start the investment was planned to be felt and enjoyed by himself and his family. So in general it is not intended to be inherited.
Therefore, when talking about investors (bitcoin) the answers will definitely be different. Because all investors definitely have different intentions, different desires, and different goals in carrying out their investments. So basically all bitcoin investors have personal rights and opinions.