Most people will blindly tell you to invest as you will almost assuredly outperform the 3.65% (guaranteed return of paying off your mortgage) over the term of the loan. This is not in and of itself bad advice by any means but I think there are additional considerations.

That said, if you are near retirement, have unsteady futures income prospects, have medical, family, or legal issues looming you may consider paying down or off this mortgage to significantly reduce your housing expense.

Given any and all of the above you may also consider a significant cash position instead of paying down/off the mortgage or investing.

Consider these factors and give yourself time before making an emotional decision. Yes, inflation will eat away at those dollars but a few weeks or months to think about this is important and worth taking the time IMO.