+1 on this. When we married, we made a decision about where we wanted to live. We moved to that area and found jobs, finished school, built careers, raised our kids, built a social network, etc. I'm a handful of miles from a world class city that I’ve come to know and enjoy, and we're both less than 130 miles from the places of our birth. We can be in the mountains in less than 1.5 hours or on a beach in about an hour. There are miles of rolling Amish farmlands less than 40 minutes away. We hope to travel and spend more time doing so. We've never enjoyed "high class, luxury" travel. Rather, we've liked seeing and being in places as if we were living there... you know, get the feel of the real culture. A co-worker that I like and respect a great deal retired to Leiden in the Netherlands and loves it. We rented his home for three weeks while he was traveling, and I can see why he likes so much. Almost everyone speaks English, it is a very cycling friendly place, winters are relatively mild, etc. I suspect we’ll attempt to do other travel in this manner. It would take some major shifts in our current situation to trigger a desire to be somewhere other than home.
My younger brother retired to Ashville NC, but he and his wife only stayed one year. It was just too much of a culture shift for them. My parents retired to Florida for two years, but then moved back to their original home in central Pennsylvania. They missed their network of friends and the great winters didn't compensate for the unbearable heat in the summer. A high school buddy retired to Billings Montana and loves it there.... except the winter. So, I guess I feel somewhat fortunate that I’m living where I want to be living.