Wisdom from my 80 year old aunt: pick a neighborhood not a city. Nobody likes to think about it, but we all get old & feeble. And medical stuff, memory issues, etc. happen and you won't see them coming. Find a place where you have enough freedom to make you happy but enough community, neighbors, etc. to keep an eye on things. I spent a winter in Florida and the bugs never went away. So for me the answer would be someplace that got a good freeze every winter.