She seems pretty adamant about retiring with years of service, and not staying until her 60s

She can go and get another job I’m sure, but she doesn’t seem inclined to start another career or even another job-rather travel etc. Her pension will be pretty decent.
She still would have to wait for SS until 62 which is 8 years, she would probably reason if she waits 8, she might as well wait 16 although none of this has been discussed with her so I don’t know. But if she’s not accumulating quarters between 54 and 62…. you’re saying that the amount could go lower in those 8 years because of not paying into the system?

I understand doing the math between waiting from 62 to 67 to 70… when one reaches 62. What to do before you get there.