When we were forced out of our jobs 17 years ago at at young age (50s), all we knew was that we didn't want to sit at home. We wanted to travel. We bought a 27' TT - had the truck - and spent the winter in Florida. We met many, many totally happy full-timers. On our way back home in April we said "we didn't need any of that stuff in the big house all winter", let's sell it and take off. We were officially full-timers 4 months later and sold it all - house on a lake, boats, extra cars and all in the house. We have never regretted it.
My point is that we knew absolutely nothing about full-timers until we camped next to them that first winter. I really don't think many RVers/campers really do know what a true full-timer means. We certainly don't sit in an RV park. We travel constantly. We volunteer for state and national parks and we have a very full-filling life!! We don't worry about 'what ifs'. Things can happen to anyone. We've had multiple surgeries while traveling, including cancer. It's all very doable.