You never know what tomorrow or even the next moment will bring. I had an almost life ending accident on my way to work 6 years ago, and have been disabled ever since, but could never get disability. I worked best I could until I hit 62 and have been retired for 2 years now. In 3 days, my right leg will be amputated as a result of that accident. With my wife now retired, we were looking forward to finally becoming snowbirds this year, on a very limited budget like yours. Now, I don't know if I'll even be able to drive again. If your health allows, do it! You will find a way.