I agree in general, especially if you don't foresee any problems. I'm all for living for today etc. At the same time you hear of things happening to people where they get trapped abroad (or equally keeling over and dying the day after retiring). There is no perfect answer unless you're loaded. Personally I plan to keep an address here to cover me (i.e. as my insurance). Possibly live here a few (nice) months of the year. It would probably be in the Peak District or on the South Coast (better weather).