Wow. Most of my life 34" waist would be a dream. Then in middle age, that which was clearly normal/medium fit was starting to be difficult to find in the rack, as stores were clearly catering to beanpole waist size and making out that was normal.
Yes, I too notice how one gets zero exercise after retirement, unless one has the willpower to make it a vital chore to be regularly done. Gyms are expensive, and it's either too hot or too cold to go out for walks. Indoors is safe and hassle free. Pity there's no space to exercise in, should an unlikely urge to do so, come on.