I did it when I turned 62, no big deal. I still have my military health insurance for a secondary.
My city job didn't pay into SS. My part-time military did, therefore not a lot in the kitty. I thought why wait and took it.
I was going to wait to collect my SS to get the maximum but I was starting to dip into my retirement accounts. Might as well start collecting it. I have been banking money ever since.