Change Residency but keep Vacation Home?

DunellenGuy wrote:
...retirement (at age 60 or 62 for me, 62 or 64 for her) and expect to full time for a couple of years...

If you really are only going to fulltime for a couple of years, where do you plan to settle after that? In my opinion, you need to figure in the cost of changing everything over and then again after a couple of years. Things like wills need to be in the state that you want them probated in. If you are going to retire before you are eligible for Medicare and do not have employer provided health insurance, you will need to make sure that you can get coverage that will let you travel. Right now, I think it is still difficult to get health insurance that travels well for those under medicare age in South Dakota. While many focus on the state income tax, there are states that give substantial tax breaks to retirees/seniors. Many states do not tax Social Security. Some like Pennsylvania do not tax traditional IRA distributions. Others like NJ give an exemption of a substantial amount (NJ is $20K at age 62 or above). If you will have a pension, some states allow you to reclaim your contributions in the first 3 years rather than a little at a time over 30+ years.

I don't think anyone can really tell you what will work best for you. You need to do the research and decide based on the best information that you can get that applies to all your needs.