+1 Get the triple.
But also take the time to start looking at the used market. The deals around here on used bikes are compelling. You can get so much more bike on the used market versus a similar equipped new bike. My latest used C/L keeper is below, all Ultegra, yadda, yadda. Cost less than a new Sora equipped Trek.
I am retired as well, and definitely have become more thrifty. I rebuild and resell bikes (and keep some of the best ones if they fit). The requirement is that I have to make enough on flips to cover any and all spending on keepers. During retirement, anytime you can zero out an expense category, or even replace it with income, it really helps.
My last new bike was 1975....
03 Colnago Master Light (I am not sure of the age, but that is the age of the components)
84 Lotus Classique
92 Trek 95
83 Univega Gran Turismo