Still in private health insurance in your late 40s?

My wife and I are thinking about switching to private health insurance now. We have been in the GKV so far, mainly out of solidarity, but also out of fear of unmanageable contributions in old age. The former is currently running out due to the very high contributions, the latter was recently credibly described by a PKV consultant as unrealistic. About us: M48, F44, married, DINK earnings (TC) M: €120k, F: €80k We have no property, nothing to inherit, but around €300k together in ETFs and T