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FDA guidance has recently (within the last year) extended this out to age 45.

It is approved but not recommended, which means insurance doesn't have to cover it to satisfy the ACA.

I'm 35 and one dose in (about due for the second dose) - what this has meant for me is that it's no trouble to get my doctor to give me the vaccine (but the county's vaccination lab refused) but insurance didn't cover the vaccine.

For me it's worth the $600 or so it'll end up costing, just for the peace of mind that I'm doing what I can to minimize the risk.

Does it mention why? Is it because the adverse reaction rate for (e.g.) Gardasil is higher than the probability of catching one of the HPV strains it targets after 26?

If you are going to have intimate contact with more than a few people (perhaps even just a few) the doctors I have talked to recommend getting the vaccine.