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I think that people don’t really understand what it means when they claim they have no plans to retire. My in-laws are always saying things like “I’ll work until I die” while they take out debt to go on vacations but they recently brought up that we should make sure to get an extra bedroom for them if/when we buy a house. The disconnect is infuriating.
There are reason for them asking about an extra bedroom. And that is at some point, something will happen and they can no longer work at anything. For example, as much as I would still like to do something to do, I can no longer physically work. Even though I can still do things, ain't no one going to hire me to even be a greeter at Walmart.....
Nor do people want to survive and die in a nursing home. It's not a good place to die. We recently went through this 4 years ago with my Wife's Father. Fortunately, we have/had the skills to care for someone at end of life. And we gave up our lives to do so. And he was able to die peacefully at home.
Whether or not you choose to do something similar is completely up to you and your family.