I'd take the retirement all day long. The number one issue I see non-trads run into is lack of income and being forced to live on loans, which then drives their specialty choice/school choice, etc. Having retirement income to live on (this is the scenario I am in ) allows significant latitude in what school you attend and what specialty you ultimately decide on, as well as significantly reduces the financial stressors of medical school.
It was advantageous for some interviews and not for others. My personal thought is that it was also beneficial for some schools and disadvantageous for others. I feel like people are fairly passionate about the 40+ group, in that they either have great admiration and are excited about what you bring to the table or they think it is a foolish endeavor and that the age group is not well suited for the rigors of medical school. When your subsequent exam scores are above the 98th percentile for NBME averages, you get the satisfaction of knowing which perspective is closer to reality 😀
I never considered NP school but I heavily considered PA school for most of my life. I like to consider myself a pragmatist and if I were solely going back into medicine from a career perspective, PA school makes better sense. However, I have reached a point in my life where I realized that I value the knowledge more than the payoff. It's also one of those things where I contemplated that if I went to PA school and then decided I had actually wanted to become a doctor, it would likely be too late to go back to medical school, so, in the end, becoming an MD turned out to be the more pragmatic decision.