An assessment quandary

Having decided that, at my age (71), there was no point in seeking a formal assessment, I find myself questioning that decision. As far as as I can see, the main argument for is to do away with any uncertainty (I’m fairly sure I’m autistic but I have enough self-doubt to be inclined to refer to myself as neurodivergent). My main arguments against are the impact of a diagnosis on insurance (particularly, travel insurance) and the implications for future interactions with the NHS (which will only become more frequent as my body falls apart from overuse).

So, I’m wondering how others that resolved that quandary. What do you see as the main arguments for and against assessment for someone of my age?

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