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Replies to "Howdy! While I think there are pros to moving to a retirement community with meals, activities..."
Love the comparison between the choices made by your two parents. In a way, we're splitting the baby -- we're moving to a facility (not a CCRC) where the different levels of care are co-owned and co-located on a single campus, but we're moving to a cottage/patio home (not an apartment) where we can keep our current lifestyle. I'm assuming that your two sets of parents made the choices they did for their own separate reasons, and that this needs to be factored in when observing the results.
If you have not found this book, you might want to chase it down: https://www.aarp.org/entertainment/books/bookstore/home-family-caregiving/info-2019/disrupting-the-status-quo-of-senior-living.html. It's surprisingly expensive in hard copy, even used, so you might want to see if your public library has it available. (Even if your library does not have it, they may be willing to borrow it for you from another in-state or out-of-state library for a small fee, so you might want to ask about that option.) Or get it as an e-book.
I recall listening to a gerontologist on a radio talk show. One thing she said stuck with me: STOP paying for things you think will make your life EASIER!!
Whether services or implements, the more you rely on ease-of-living methods and items, the more ground you lose toward your end. The more autonomy you retain and insist upon, the more motivated you are to do things for yourself, and the more robust and strong you keep your body as a result of doing all these things (better balance, more core strength, stronger grip, and a stronger cardiovascular system), the longer you will enjoy life, be switched-on, see things, enjoy the outdoors, and retain your cognitive function.
My 95 year old dad (will be in three weeks) just passed his automotive licensing medical. He passed his driver's test at 94 last year, and I hope he does again. Sadly, only five months ago he wanted assisted death and had started the paperwork. Reason? He had several falls, although they were related to low sodium. He had fractured a vertebra and was in real pain, but also immobilized...or all but. He felt his life was over. Now, with his mental toughness, and his ability to claw himself back up the muddy slope, he is walking again, and about to have a driver's exam so he can get to his beloved Spanish classes (he has been fluent all his adult life, but enjoys the friendships of those who have the intellectual drive to take up a language as they age), and also his gospel singing.