Emily, what you described is the reason DH and I made the decision a long time ago to stay put when we retire. Besides the fact we love the environment here, I know that when I get really old and maybe a little less active, I will want to be near familiar things/people. We decided we'd rather travel a little, but always come home. I've considered maybe going to AZ for a couple of weeks to a month in the winter, but for us, that comes with some ready made friends. But, we wouldn't buy a place there.
I guess I never realized what an extrovert I am. I love entertaining and socializing, so when the people in my bike group are "friendly," but no friendships developed, it makes me feel, like "what's wrong with me?" I also think that living in AZ kind of ruined me for this aspect of life, when I came back to Massachusetts. In AZ, there's always new people and you always make overt social invitations to include them, invite them over for dinner, etc. People here have more family around and seemed consumed with that. They also are not so outgoing/friendly. I know I can be like that, in that I am picky about who I want for real friends, but I'll talk to anyone. DH is extremely extroverted, but doesn't seem to be as bothered by this as me, although we both agree, we'd like to make more friends who live the same lifestyle as us. I really do worry that I spend so much time just with DH.