It does help to add a sense of urgency in ones life, yet also frustration as we want to accomplish more, faster and better.
The sad thing is that the energy level for most in their waning years will not allow them to accomplish what they then want at the time they realize the inevitable.
And yet some like Colonel Sanders (sorry popped into mind as one such individual), see it is never too late.
It is all a personal choice.
Yes, you are absolutely right. At the end of the day, it is all a personal choice. We all decide one way or the other the direction our life's headed. Cheers! :)