Not had, but as an optometrist, had to deal with.
Posterior subcapsular cataracts tend to be more disturbing of eyesight in their early stages than other types of cataract, and often develop fairly quickly.
(only the sclerotic cataracts tend to move faster)
The relatively good news is that you no longer have to wait until they're "ripe", which used to be the case.
Surgery can be done at any time, as soon as the inconvenience of the vision impairment* outweighs the inconvenience of the operation, and the (small) risk of having it done. But as you say, the operation is likely to be needed at some point anyway.
The additional point at your age is that the operation will remove any remaining natural ability of your eyes to refocus for near, and although the distance Rx can usually be re-set near to zero, you will be faced with choosing between using reading glasses or varifocals for reading, or opting for multifocal implants. This a a personal choice as, although the multifocal implants offer great flexibility to many, there can be compromises with best vision quality and, once again, problems with night-time glare.
*if the problem is day-time or night-time glare, the actual letter-chart vision can still be quite good, but the problem still be large enough to prompt surgery.
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