[Yobz]

Would answers change if you say 20 year old versus 65 year old?

Clearly this boils down to one thing:
Probability of dying between the ages of 40 and 65 versus the medical advancements made in 25 years.

I'll take medical advancements in 25 years, I think the probability of dying b/w 40 and 65 is pretty small.

I'll way favor 20 in a 20 vs 65 to reach 90.