Most 95 year olds would be sitting with their feet up but she is still working. Yes actually working. She has a full Red Box of Government Papers to go through each morning with her Private Secretary, 300 engagements a year, weekly PM discussions, and even mundane things like viewing and agreeing the menu plans 3 days ahead! If a very physically active lady like herself isn’t able to walk her beloved dogs anymore, a task she personally enjoyed and didn’t often delegate to others, and has occasionally of late been seen using a stick, then indeed she must be fairly frail as she’d hate to show it!
As for retirement, absolutely no chance because she’d view it as having failed in her sworn duty, so she’d never consider it! That’s absolutely not saying that she won’t delegate more and more visits and tasks to younger Royals, as she should but she’d never retire/abdicate. Unfortunately I don’t see her living to 100 like her Mother and won’t be surprised if she’s not gone in the next year or two sadly. Our Country will be poorer for her passing.