The decision to have cataracts removed is elective. Because cataracts do not harm other parts of the eye, nothing needs to be done if you are not significantly bothered by symptoms. However, as activities such as driving and reading become increasingly affected by cataracts, surgery becomes a logical option to consider.
With the success of the modern implant, waiting for cataracts to “ripen” is no longer necessary. Since cataracts will not improve and will eventually worsen, there is no advantage in delaying treatment if vision is sufficiently affected and the prognosis of surgery is good. You are never “too old” to have cataract surgery, just as you are never “too old” to enjoy better vision.