Not really. Frankly I'm still amazed guys like Dave Draper have made it to be 60 and still look good (or he did the last time I saw a pic). Dude DIED THREE TIMES in ONE night from liver damage or some such thing due to excessive alcohol abuse, roids, and apparently a hefty amount of PCP. If those guys make it even ten more years, I'd say there's definitely something to switching over to a healthier lifestyle later in life. It really seems to help keep a body healthy.
As for my tendons and ligaments, I can feel they are a little more strained then they used to be, but they are nowhere near at their worst. I'm a lot more careful with my training nowadays. I dunno, maybe I'm still too young to be noticing much in the way of this stuff but I really am hoping there is a pay-off to living a healthy lifestyle and paying attention to your body as you go.
Besides, what's the alternative? Do nothing and watch life pass you by? Alls I know is when I get to the end, the most important thing to me will be whether or not I feel like I did shit and went for it in life. If that is going to cost me a couple years at the end, then so be it. But I would prefer to minimize it.