Yesterday at a reunion, I saw a former co-worker, also a retiree, had grown a handful of white goatee. Then we talked about whether we should grow a beard or mustache when we retired. Well, my principle is when our parents are still alive, we should always clean shave as a token of reverence to them.
As far as I can remember, I have never shaved my chin because I have never sensed the beard or hard hair over there. If there were fine hair grown, I simply plucked them off. No sweat.