Yes, that is kinda the direction my thinking is going too. 80:20 rule and diminishing returns strike again.
Of course I would say that dealing with imminent/obvious threats to longevity should be a priority. For example, getting a blood test in my late 20s, realising I had familial hypercholesterolemia, and dealing with that has probably added 20 years to my life. If somebody is diagnosed with cancer, putting huge effort into resolving that is definitely worthwhile.
IMO, I think people say this a lot, but I’m not sure how true it is. Obviously a terrible quality of life (constant pain, dementia, semi-vegetative state etc) isn’t desirable. However, I recently met up with an old family friend - a lady who is 89 years old, and has many chronic health issues. However, her husband died while in his mid-70s. I were together with their family including their grandkids (now in their 20-30s). It made me really appreciate how much difference there really is between 75 and 89. Sounds stupid, I know, but when you’re young, all of those numbers just sound “old”. However, she got to see the grandkids go into careers and buy their first house, while he only saw them as tiny kids. That is a huge payoff from a long lifespan, even if some poor health comes alongside it.
What I’m trying to say is, I think quality of life would have to be literally detrimental in order to out-weigh simply living longer.
A more realistic number I’ve heard is that exercise might add around 4 years. So, 30 minutes per day = 10,950 mins per year = 182 hours = 7.6 days per year, or ~2.1% of each year. On a 40 year horizon (let’s say 40 to 80), that’s around 7,200 hours spent, and you gain 35,000 hours (4 years). So that would be a 4.9-fold ROI on the time spent, which would be very good. Even if you look at “awake hours” and calculate based on 16 hours in a day, it still a favourable 3.2-fold ROI.
That means every 1h you spend exercising gives you 3.2h more awake lifespan in the future. I agree that it’s very, very persuasive.
(If your 7 year figure is correct, the ROI is an amazing 9.2-fold for total lifespan!)