Vikingkingq
Adventurer
I get the cognitive point - but if we're trying to figure out at what point in someone's life they are undergoing training and education and at what point they are starting their careers, the cultural expectations matter more.I agree cultural expectations matter, and it is fun for fantasy game to explore them.
My point is, around the age of 20, the individuals of these species are cognitively adults, of the age of majority, ethically responsible their own actions, and able to make decisions about risking ones own life.
When the Elves become 100 years old, it is analogous to a Human retirement plan. Except, this age is something like ceremonially marking the end of self-exploration, and taking on the responsibility of improving the Elven community. The decades of self-exploration help individual Elves figure out how to best help the Elven community.
I wouldn't describe the Elf age as retirement - it's the age at which you're considered an adult person, and take on an adult name.