Not as any advice or such, but it reminded me of a conversation I was in some years back. Some comments made by a few old couples I met on cruises my family went on as a child / teenager, so yes, this might be a couple of decades old now... But I met about half a dozen 60+ couples who all referred to the fact that they found it less expensive to basically book cruises year around rather than deal with the costs associated with retirement homes, care homes, and supporting carers if you lived at home into your old age.
They'd quite often book back-to-back cruises on the same ship for a year, then spend a month in a hotel while the ship was doing annual refurbishment and then get back on the ship for a fresh year of world travel. They got better meals, better service, came to know the crew quite well, and didn't have to worry on half the things they would if they stayed with their families.