I have noticed that since giving up full time pressured work I don't sweat as much, and so don't need to apply precautionary chemicals at the start of every day.
I agree absolutely with points made about others about sense of smell deteriorating with age - dealt with several elders who have gone whiffy through recycling clothes / not washing, and desperate not to go the same way.
OH (an older gentleman) bathes scrupulously but has occasional armpit issues, for which I have found 'Trust' cream works fine.
http://www.trustproducts.co.uk/