Everyone's situations are different Simon. I am only 48 and moved away from the Uk. Slightly different for me as I am an expat and working in China and return to Phils to my home and family between contracts. I have not been back to the Uk for 21/2 years (ok short time) but don't intend to either.

I have no home in the Uk anymore so stay in Phils on a tourist visa which is easily extended or on a balikbayan stamp. Lots of options.