Opting out of your idea of True Love, may be caused by a deficiency in what you are using as a definition. Your conceptual idea of True Love may not equate to His or mine or Don Juan's. What makes you believe you know what it is?As far as opting out for something more comfortable; this indicates a level of discomfort in those whom you claim to truly Love. Again, your definition is called into question. For what could be more comfortable or comforting than true, selfless, intimate Love? Unless it is invasive(your choice of words)...like Libyan and Iraqi invasion, passive or overtly aggressive-all the same.
Vulnerability is never a question unless a threat is present, looming and insistent. What do you do that is received in that fashion; certainly not Love.
With all the aforementioned in mind; True Love is eternal, timeless and without origin, therefore you can neither give it or take it...it exists without your participation-you merely realize it, like air, with each unconscious breath.
...and of course age has everything to do with True Love. The older the person, potentially the more years without having realized True Love, and the greater the cynicism and despair-unto death.