Are you retired or financially so secure that staying at home and watching TV or reading is just fine? Or would some change benefit you, financially, socially, and/or psychologically? If some change would be very beneficial, then that is something to talk about along with what is holding you back, and what you can do to assist in taking steps forward. The latter can include learning coping skills and helpful tools.

Nobody says that therapy is mandatory forever, but when we're stuck in a rut or hurting ourselves in some way, it can be beneficial. The support itself can be beneficial, especially in cases where we don't have enough or the wrong kind of support.

It's OK to express to a therapist that you don't know what to say or that you're not ready or interested right now to talk about the past. If they are a half-way descent therapist they should be able to ask the right questions or direct you in a way to help with that. Maybe if your past really has been an issue, eventually the therapist will inspire you to process it. If they don't/can't, they may be the wrong therapist, but that doesn't mean that there aren't others out there that are.

The therapist I had before my current one told me that it usually takes at least five sessions to know if you found a good fit, or to know if the approach is right. That goes both ways. And five sessions is usually "at least". I hope you will be patient to see if maybe your reservations change a bit.