All of the above are right on target. Air consumption is not a function of age but of physical fitness and diving skills. I am 51 and routinely have more air left in my AL80 than my 20 something dive partners who often have 120 Cubic Ft tanks. If you are physically fit, exercise regularly and do a good cardio routine, and have good diving skills (buoyancy, not waving your hands around or trying to set a new speed record underwater) then your air consumption will be better.
Most common challenge for new divers is buoyancy and weight which are related. When adding air to the BC add just a little and then wait. Yes wait, it takes a few moments for the increased buoyancy to overcome the inertia of your downward movement. Too many divers dont recognize this and add air, then more because they are still sinking. By the time the first puff has over come the inertia or momentum of the downward speed, they have added several more puffs of air and are now positively buoyant and speeding for the top. So they dump air, and then more and then too much, and start heading for the bottom to repeat the process again. All of that uses air. Now weight. More weight equals more air required at depth to compensate (buoyancy compensator=BC). More air = more drag = more air consumed, plus the air lost into your BC. All that yo-yoing adds up to increased air consumption.
Many new divers also try to help out their legs by moving their arms in a swimming motion under water. Inefficient, and creates drag and uses mussels and air. When diving, park you hands under your tank behind you or cross your arms in front of you, but dont use your hands. Kick in slow shallow kicks. Large kicks actually increase drag and are not as efficient as a small slow kick stroke. Diving is about the view not the journey, so slow down and take your time. There is not hurry to get anywhere because once in the ocean, you are already there. Enjoy the view. You will be amazed at what you have been speeding past (octopus, nudibranch, and other creatures).