Life changes in a flash, live life to the fullest as long as you can afford it ! When we retired, we bought a used motor home to try it out....was great for the first two years, started looking at newer units and downsizing our home. Within a few months my wife had two hip replacements then two back surguries....non her fault.. Shortly after can barely walk, motor home sat for 18 months then gave up and sold it. Downsized the boat as she can no longer handle any wave action with her back. So....life can change in an instant, enjoy while you can !! Just a small 16' fishing boat to keep fish in the freezer. Only travel for us are trips to the doctor....Very personal decision based on health, age, retired or not, etc. One thing we can't change is time and it is indeed marching on. Tasks that I was exited about learning/doing 20 years ago now seem daunting. I'm finding the older I get the more the moon/stars have to line up before the boat goes out. Is downsizing not an option? Drop to a single, many greats boats out there in that category. What you think you have to have now may not be so in 5 years.