Granules in the gutter and waviness are both real signals, so you are not imagining it, and twenty two years is within the range where an asphalt roof starts giving up on Cape Cod. Salt air and wind take years off the number on the box. Get a proper inspection rather than a sales visit, and ask for photos from up there instead of a verbal summary. We had Roofing & Siding of Cape Cod
https://roofingandsidingofcapecod.com/ look at ours in a similar state and got a straight answer about how many seasons were left. Planning it for spring or fall beats an emergency in February, and the pricing is better outside peak season. Ask for the inspection in writing as well, since a documented condition report is useful later when you sell or file a claim.