My quick 2 cents response!
Use what you have until you know what to change. Orange, I am sorry for your loss and the grief that brings. I hope you have emotional support for that as it comes and goes. I too am older and on a fixed income. I have been part of this community since the beginning. I have property in North Eastern Arizona. I do have 4 seasons and depending on the weather it can be extreme. I am very rural and off grid. I do allow some visits on my property. I'm west of Albq. a couple hours and high enough to not have too hot a summer temps. I have autoimmune (suspected MS), allergies, etc and the weather is good for me here, so is the peace and calm.
Feel free to connect with me for ideas and simple support if you'd like to.
Anything, basically, Is possible. Life changes and changes again and we simply move over to something different than we might have imagined.
Simply, Lesa