Genetics have replaced Fate in most people’s mind, and is essentially treated the same as Fate for all but that tiny minority genuinely hitting their limits.
Whether you have a limit or not should be of no concern, and should not hold back your efforts, until you get somewhere…!
Then there is the question of whether you want to get to the human extremes, do you want to be healthy or at the limits of your performance?
Personally I’m 44 and dropping from 19% BF to 13% would be more than enough for me. Good luck 