I was lucky in that we have a great SS office only a few miles from where I live. The staff there are super and really worked with me to figure out the best route to take. Everyone's situation is different; things like other retirement income, if they are still working, and so-forth. I found actually speaking with a real person was the best approach rather than trying to figure out every thing on their web site. Do your research on-line and then go talk to a real human. If the person in the office doesn't seem to be helpful come back another day and see someone else.
There are a ton of self proclaimed "experts" on-line and in print and they all have a different idea of what is best. You need to do your homework and figure out what is best for you and your own situation. Be honest with yourself about your health and finances. Don't assume you will drop dead at 64 or something unless you really are ill. People are living longer all the time. I actually retired at age 60 but didn't collect SS for ten years. ( I had another retirement plan from my work that was OK to live on and I had no debt). Then at 70 I got this nice little "pay raise" when I started collecting SS. In my situation due to my state retirement my SS was chopped down to only like $350 a month at age 62. Not enough to tempt me or make much difference in my life. By waiting until 70 it doubled in my case. But,,,,as they say.....YMMV.