setting word/line wrap correctly with mutt and vim

[void]

Hello mutt-users,

mutt is 
>> 2.2.7 (2022-08-07) with ncurses on freebsd current

vim is
>> VIM - Vi IMproved 9.0 (2022 Jun 28, compiled Aug  4 2022 02:42:28)
>> Included patches: 1-129
>> Compiled by root at main-arm64-default-job-11
>> Huge version without GUI.

I'm trying to get things so that emails composed and replied to in 
mutt do not have to be manually edited with hard returns each time.

What I want is, if i'm typing in a line and it goes over 72 chars, 
to newline at that point intelligently. 

I've tried variations of
set editor="vim +':set textwidth=68' +':set wrapmargin=0' +':set wrap'"
and
set editor="vim +':set textwidth=0' +':set wrapmargin=0' +':set wrap'"
and
set editor="vim +':set textwidth=72' +':set wrapmargin=5'"

and in .vimrc
set textwidth=72

to no effect.

I don't know if this is a mutt issue or a vim issue or both/none. 
Where should I be looking?

TIA
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