Like you, I am retired, (going on 8 years now) and watch money closer than when I was working.

It would give you the opportunity to turn the Sirrus into a nice utility bike with racks, fenders, big tires, etc.

If you can, go for it, and don't look back. The triple definitely helps as you gain years.

I bought my utility bike first, a Specialized Crosstrail, and hope to add a nice road bike in the future.

I've never second guessed my decision to go this way, and am very happy I did.

You will be, too!