In a recent adventure (D & D) that I was moderating I was faced with
a problem: 2 characters who were nearing the age when most
persons of the medieval era died (about 40) were still running, jumping,
and fighting like other characters who were in their early 20’s. Now this
wouldn’t have been that bad if they had been of advanced levels but
both were hardly ever used and so neither character was above level 3.
To be fair to the players and to make sure we have no 60 year old
super-heros I decided to make up an aging chart.

                            Age

-	30(-)	32(-1)	34(-1)	36(-2)	38(-1)	40+(-2)
STR	30	35	40	50	60	70
DEX	5	10	15	20	25	30
CON	30	35	40	50	60	70

The number is the number that has to be equaled or exceeded* to
not suffer any losses in strength and/or dexterity and/or constitution. If
this roll is not made, then the player or moderator subtracts the indicated
number of points (indicated next to the ages).

There is also a benefit, however, if any character is between the ages
of 18-22 they get an extra point in their strength, dexterity, and constitution.
This point is taken away however, when the character passes the
age of 22.

I hope this adds another element of “realism” to your campaign.
Here’s wishing that you never meet a Rust Monster when in plate
armour!

*On percentile Dice