All of the factors you list happen mostly before retirement age, yet even the life expectancy at age 65 is three years higher for women than men (86 years vs 83

All of the factors you list happen mostly before retirement age, yet even the life expectancy at age 65 is three years higher for women than men (86 years vs 83 years in the US pre-Covid). That suggests biological differences rather than socially-derived ones (though it doesn't prove anything, one could make a case of body degradation accruing pre-retirement).