There is no way I would move to a retirement community. Who wants to be with a bunch of "old people?" My parents were (are) the same way.
DH and I are most likely going to move to a townhouse that is within walking distance of one of our "downtowns." I would say we have about 5-8 years before this happens. That means we would, in theory, be able to do grocery shopping, etc. by bike in good weather. And, walk to the train, restaurants.
And no more riding up the 12% grade hill to get home. The areas we are targeting are flat, for at least 5-7 miles in most directions.
Although, we have eliminated one condo complex that is right in the center, as I have never seen anyone under 70 go in or out of that place. It's not a "senior" living place officially, but it seems to have turned into one. Too bad, though. It's right across from the place Hirakukibou and I meet for our rides.