I got to 50 and realised that I needed to take myself in hand and that I needed to throw money at it if that was what was needed.
The David Lloyd gym near me was well-equipped but the classes were cliquey and I never felt that the coaches in the gym really knew that much. And because I could go any time I didn't go - I could always find an excuse.
Now, I see my PT twice a week and I have to give 24 hours notice or pay for the session anyway (excluding actual crises like the other week's floods). If it's going to cost me money and he's going to be waiting around for me, I feel obligated to go.
I can feel a real difference in my fitness and am starting to see a difference too. In terms of losing weight, I've found it easier to stick to Weightwatchers because it feels as though I might as well go the whole hog given that my PT sessions aren't cheap. He's also a physio which is great as I have a dodgy back and has a Masters in sports nutrition which is good in terms of discussing what I'm eating.
He's alarmingly perky and I tease him about the number of exclamation marks in his encouraging texts between sessions but he's a nice guy, knows his stuff and never makes me feel judged for being overweight, unfit and middle-aged.
It is worth every penny and once lockdown was eased sufficiently, I priorised seeing my PT over trips to the pub etc. Never thought I'd say that.
Good luck with whatever route you take.