It varies person to person. You make the assumption that they own land and a house. What if it's some shithole 1/4 lot in an HOA neighborhood? What if they retire at 55 (we are on track for that) and travel for 25 years until they need handicap assistance? That would surely be worth it. At that point you could settle down in a townhouse or something. Again this varies for everyone. And no, I wouldn't skip on RV living at retirement on the chance I would need handicap ramps at some point. Most old people never need them.