Hopefully this post is a nice change of pace for all you loyal r/personalfinance readers :). I'm middle-aged, well-positioned financially, and looking for perspectives from my fellow personal finance junkies on how to plan for my elder years (which I'm defining as 60 , given my particular circumstances which I will elaborate below listing the particulars and the conundrum I'm facing, and would welcome your input. I'm hoping to get different perspectives, and maybe discover new issues or facets to consider as I begin considering next steps.

Here are my particulars, rendered so that I'm not giving away too much personal information:

• Widowed 44 year old man with no children. I do not plan to marry again for any reason.
• Large man, 6'3 and 350 lbs--I am in excellent physical shape for my age and pass my medical physicals every year; I'm just built like a brick shithouse, and also possess a similar density. I am defined as medically obese per BMI.
• Arthritis in both knees, worse in my left.
• Solo homeowner. Home is <5 years old, three floors, custom-built, and has some upgrades (brand new heat pump, good carpeting, LED lights). Currently hold $200K in equity in the home.
• I am considering having solar panels installed on my home that would produce more electricity than I consume, plus solar batteries to serve as a generator/power back-up due to projected intensity of storms given climate change.
• Live in the Pacific Northwest.
• Gross diversified assets over 1M, only mortgage and a little bit of credit card debt. I do have sizeable near-liquid assets plus a well-funded retirement plan. I am a credentialed professional with a white collar job.

Here is the conundrum:

I do not want to end up like those poor forgotten old men who've died in trailer parks and homes during the last heat dome (we've had hundreds die in Washington and Oregon in trailer parks and apartments who didn't have A/C or anyone to check on them).

I'm told that Long Term Care insurance plans have height/weight restrictions. Plus there are going to be issues if I do knee replacement surgery as apparently Long term care plans don't want to pay for knee replacement surgery.

I am considering in 11 years or more moving to a 55-and-older senior community because I do not want to be one of those above-mentioned old men. While I do plan to continue working until my mid-sixties (unless death or exceptional financial success occurs).

Alternatively, I could use my house: my bottom floor could be retrofit into a mother-in-law with a master bedroom/bathroom and I could move downstairs, then rent out my upper floors. I am considering solar as I suspect my profession will move to work-from-home and thus I would like my house to be able to have always-on power with back-ups, plus reduce my monthly utilities and cost-of-ownership. Plus... I kinda like the idea of being a net creditor to our power grid and producing more power than I can use.

If it turns out that I don't qualify for Long Term Care plans due to my own biology, would I be better off staying in my home for the long term and upgrading it with an eye towards reducing all cost-of-operations and utilities, plus mobility and access? Is it worth getting knee replacement surgeries in my 40's or should I wait?

For those with experience in 55-and-older communities, what is that like? Is it worth the expense? Is the communal aspect worth the investment? I'm not planning on any family or relatives to care for me in my elder years--it's going to be whatever I can afford plus whomever my friends are. So I'd like to find out if there are any additional factors I need to consider.

Thank you!