Spot on, Bill.
I've had beginning organ students at varying ages. Ok, they had all done piano lessons so had the basics of where the notes are and what they sound like, but one who was in her 50's began with me with the intent on eventually being able to play for church services. She met that goal and even subbed for me a few times.
Younger is better ... but ... imho, it's never to late to start. However, becoming a concert pianist is a very long road and needs to start as early as possible. Again, it's not
who or
where you learn from, it's all about how much you as a person put into it. Just attending a noted conservatory or an unknown university doesn't make a musician ... the musician makes themselves a musician ... and of course, practice, practice, practice, practice, practice ... and when you think you are done practicing, practice some more.
Kh