Unsurprisingly, like Paul I'm a bit puzzled by the general cultural belief that a pastoral sun belt golf course retirement community is some sort of retirement ideal. Obviously tastes vary. Some people like golf, some people really want to escape the cold. But living in a place with decent taxis (and taxi appropriate distances), a decent bus system, and amenities like food and supermarket delivery can allow people to maintain their autonomy long past the time when driving ceases to be such a good idea.
And, yes, I know that prices matter. I get that quality urban hellhole living is in relatively limited supply. But I'm not talking what people choose to do - their choices are constrained by incomes and prices - but the general cultural belief.