But you did say this:
While increased age brings increased chance of medical events there is never a stage in your life where a stroke/cardiac event, seizure, severe reaction to substance, blackout, etc etc could not happen. So unlikely as it may be, it is still possible at any age to be a factor and medical screening even for commercial pilots is not going to pick up most hidden things that might incapacitate you unless you have regular symptoms presenting prior.
I would consider a medical episode as likely as something hitting the windscreen.
Someone of your claimed experience should be able to provide a long list of maintenance / airworthiness issues of which you are aware, first-hand, that have created safety risks. That list will be much longer than the list of aviation accidents and incidents of which you are aware, first-hand, caused by the sudden incapacitation of the pilot.
I could fill an entire thread with details of the various creative ways in which LAMEs have made attempts on my life - inadvertently I hope - over the last four decades. Accidents or incidents of which I am aware caused by sudden incapacitation of the pilot? None first-hand. I know of a couple of holders of Class 1 medical certificates who died suddenly of undiagnosed medical conditions, but not in circumstances that caused an aviation accident or incident.