It's difficult to contribute to this thread without veering into the "how much does your watch cost" territory.
I'm 46 and very comfortable in terms of current lifestyle with no debt, plenty of equity, and a very decent amount of savings, however I absolutely hate what I do for a living, but am somewhat trapped by the lifestyle it affords me and so currently experiencing a bit of a mid life crisis. In the absence of any other "calling" I'm tempted to wind down soon, certainly in the next 10 years although to do what, I really dont know - I've never known anything but my current work since I left university.
I could probably afford to retire now, but certainly not afford to live the lifestyle I currently have, plus I have a 3 year old daughter and so need to think about her for the next 20 odd years - trapped in a battle between the great lifestyle I have and the hatred of my profession.
To me, striving and saving just to retire at 60 odd whilst makes sense, however it does ignore the fact that you could drop dead any day now (indeed I know plenty of people who've gone too soon) and so you've got to balance the retirement plan with living your life for today.
Not sure what I've really contributed to this thread, other than perhaps to say it's not as black or white as to say "having a decent amount of money means you should retire early".