Delaying a claim from 62 to 70 can raise the monthly benefit by more than 75%. Very few instruments offer an inflation-adjusted, government-backed 8% annual increase, which is why deferral is the default recommendation for the higher earner in a married couple.
The exceptions are real. Poor health, a need for cash flow that would otherwise force portfolio sales in a downturn, or a spouse whose survivor benefit is already secured can all justify claiming earlier.
Run the break-even, but weight the decision toward longevity insurance: the risk that hurts is living longer than the money lasts.