No offense, but you are living in a kind of unfortunate corner of "industry".

Where I am sitting, you absolutely have 10 years (or more) to give toward a specific cause, and the path of the software developer is one of lifelong improvement.

Stuff like "the rate at which tools are changing" doesn't matter too much, because that stuff is just surface-level knowledge, not deep knowledge.

I am 43, and have much to do yet; if you are telling me I am due for retirement, I suggest you have a very warped view of the world.