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Hard age limits are the only practical workable system.
We already have age limits in place for elected offices - just lower age limits. We don’t have someone fill out an IQ test to see if they’re eligible to be president - we just say no one under 35 can be president.
Any medical or cognitive test you could give to potential candidates would be instantly gamed. We’ve seen this with literacy tests. There is no health or cognition metric you can use that won’t be manipulated for political ends. Expect to see political ideologies declared mental illnesses, as has happened countless times through history.
No, hard age limits are the only way to go. Would banning presidents over 75 bar some perfectly qualified and capable people? Sure. But the under-35 limit has the same problem.