I dare say you have made a good choice my friend, you are financially better off as you are, can come and go with the business that mostly come and go. At some point we all reach retirement, just make certain have enough to get you and the significant other into a softer life after working.
I have been text'd, phone messaged and directly asked here if would consider working a few days a week on a cash basis to preclude other concerns and have had to explain as I worked the local trucking company was basically out of friendship and necessity to keep them functional during the Covid Mess, was not of need to make money. Seems no one believes that as continue to press for me to work for them. Biggest problem is should I or anyone around me get injured, or auto damage and not be on IRS or SSI roles then the SHTF with insurance or Work Comp, not heading down that road.