late 30's here and I decided to stay on about 2 years ago. 2 years worth of test is still cheaper than a full PCT protocol (see what I did there?)
Injuries have plagued me, but the TRT dose (enanthate 150-200/week) keeps me level and I'm still able to train 2-3x/week. If I'm a couple days late on a shot, it's very noticeable though.