I am a little younger than you (born in 1980) and I have terribly fussy feet. I have always worn more or less sensible shoes - no stilettos or anything too high or tight, as I pretty much cannot walk or balance in shoes like that. Still it's only in the past few years that I've really figured out what my feet want in a shoe although I've always avoided outright uncomfortable footwear (which for me is a lot of shoes!) I have a nascent bunion on one foot although it doesn't bother me much unless I wear shoes that press on it. I also have had a bout of plantar fascitis in recent years as well as flat feet. To top it all off, my feet are also stupidly sensitive to rubbing and quite blister prone - I can't wear closed toe shoes without socks, for example.
I do think that there is a genetic component to bunions - my mom has a huge one and has worn high heels for years and years. However, she says that it began when she was in her 20's, BEFORE she started wearing the high, tight heels regularly. I am sure that the heels did not help matters though and are a large reason why the bunion is big and noticeable now. Anyway, this is one reason why I'm very careful these days to not wear shoes that irritate my bunion (this is not limited to high heels; many ballet flat style shoes are terrible for my bunion because they cut right across it). It's working so far - there's nothing I can do about the fact that the bunion exists but it is very small, not noticeable at all, and does not hurt unless I wear shoes that press on it.
Funny story - when I was a kid, my grandmother took one look at my feet and proclaimed, "You have terrible feet! I bet you have bad balance and will have all sorts of problems with your feet!" And, you know what? She was absolutely right! My mom thinks she could tell because on that side of the family, there are a lot of flat feet and bunions and stuff, so Grandma has seen a lot of fussy feet! Anyway, this is to say that I think there are some of us who are genetically predisposed to have fussy feet, so we have to treat them with extra care.