> 1. 3 out of 4 of my grandparents are still alive and are all over 90 years old > > 2. Living over 90y is quite common in my area, my neighbour is something like 105y and she still goes to cut wood on her own

Just because a few people live longer doesn't necessarily invalidate the statistics. Even if your genetics and living environment allow for a healthy lifestyle, there's still a chance that you're killed by an accident or crime in the next half century. So 89 years seems like a good estimate, even if your environment theoretically allows you to live longer.

Also, technically, your life expectancy will rise the longer you life :-)