Greetings margotcc You said.
"For right now, I feel safe here, have a good community, have a cleaning lady I like, and am in an already downsized townhome, with the bedroom downstairs and a walk-in shower. So far, so good.I do a lot of praying! What I do not read on the many comments are the

You did a great job with your townhouse, and with good health many more
years of enjoying life.
The Big question is! It is one thing to age in place, but how is your health to age in place? You stated you are in good health, but do others know their CHA₂DS₂-VASc score do you know the CHA₂DS₂-VASc score?
As one age, AF/ arterial fibrillation increases along with stroke.

"So I think I will move to their area when I need more help, physically or mentally."

The problem is that you do not know when you will be ready to move until it is too late. Consider the time frame to locate a desirable location and the work involved in moving there. If you are physically unable due to any misfortune, your family will experience physical and mental stress.
Have a good one.
Ferris