Well, at 51 I'm by no means lazy and still follow a fairly regimented eating plan and the last time I had a physical I got a clean bill of health. 12-14% is not fat (maybe by Ambercrombie model standards it is) and I carry a lot of muscle, more than the average bodybuilder and A LOT more than most "bodybuilders" my age. My goal, at present, isn't to get to single digits. People are so obsessed with staying lean (8-10% and below) they lose site on putting on mass.
This was in 2007, I was 205 at 8% at 5'7 and 46 years old..
you looked great, Joe, no doubt - world class!
I found over 10% I felt slow and laboured, the picture of poor health
when I'm lean I have more energy (maybe not while cutting

), vitality, and feeling of over-all well-being
extra "size" is taxing on the system - making lean gains is one thing, "bulking" (excuse for getting fat) is entirely different
a person at any age and any size looks better lean anyway, health points aside