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It would be more difficult, but I don't think it has to be "a lot more difficult". The code could make a lookup in the actuarial life tables for each country to get the expected remaining years of life for a person of that age, and then just aggregate these, no?

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Ballpark yes, but that's likely a huge overestimate, as even normalized to age, its people with co-morbidities that have the lion's share of deaths.

Yeah, you can of course keep approximating it. The next adjustment would then probably be to use something like quality-adjusted-life-years (QALY) based on the persons co-morbidity, and then (if you want to) your could also take it the other way and reduce QALY for survivors with long-covid.

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