Hello & congrats on the retirement! FWIW, my 2 happiest days of owning a boat were the day I bought it and the day I sold it. But honestly that may differ depending on so many variables. Living in PA I found the boating season just too short. Also in my humble opinion owning a RV has far more options on where you can go. Not too many people toting a boat around the nation. They usually buy them and pick a lake or ocean harbor to dock them in. If you think gas prices are high on the roads, wait till you see what a marina charges. As the saying goes- Your mileage may vary, and this isn't meant to knock anyone who loves life on the water, it just didn't last for me.
Good luck whatever your choice may be.:)