We're on the point of retirement and the prospect of quiet days and a bit of security (even though our income will drop considerably) is definitely very appealing.

I think it might depend on one's background. If you grew up with uncertainty, then there's a lot to be said for acheiving quiet security. My Dad died recently at the age of almost 94 and he led what might appear from the outside to be a dull and boring life, but he enjoyed family life and pursued his interests and, as far as I know, had no major regrets.