The OP gave no indication of why the change.
Also did not mention divorce in the picture.
Granted some married guys over 50 opt for extensions based on retirement, however I certainly would not refer to it as a no brainer.
Retirement requires 800k 2 months prior and 3 month post application.
Not below 400k other months.
The lost opportunity cost is not insignificant.
BTW, OP....if seasoning of funds is an issue obtain 60 day extension to visit wife if you have not already used that.