Well if you want to feel validated in your choice to shy away from exercise, about an hour after writing my original post I injured myself climbing. I’ll be out for a few weeks with this one. Too bad the fun stuff has an element of danger, and prohibitive cost of entry, like you said.

Thankfully you can get most exercise benefits by being lightly active (walking, calisthenics) as long as you do a little every day. I hope you at least try that. Gradually losing bone density, strength, and mobility as you age = pain. Pain will get in the way of the things you enjoy too. Just my 2 cents.