bobalooy; retire you won't regret it.
6 years ago I was one bad day away from going nuts. Pulled the pin with no idea if I could stay retired or not; just new I needed out . So far so good, I even managed through the " 08 Crash " so if your ok now according to your guy, then go for it.
Travel cost = price of fuel, not much we can do but complain.
Campground cost, lot of deals out there 1 month stay and over, if you plan on constant travel you have some options, Passport America, Coast to Coast, but they usually restrict you ( all snowbirds ) in the months you really want.
Free Camping- not my bag - BLM, State & county rules apply.
Insurance- Vehicle - some minor ICBC , restrictions ( Gold Star has an away from BC limit)
Health- many options - depends on your age and state of health- C/C, CSA-Canadian Snowbird Ass, Snowbird Mediquote, and more
Phone- depends on how much your DW calls her sister/kids/mom.
we carry a US , Verison , pay-and -talk, $100 a year keeps our # about $150 a season total for our use.
Internet- depends on the park. we're $35 for cable + 30 for modum & access.
Cat, Cummins- as others will say , not a deal breaker, Floor Plan #1
F/L ,Spartan, - Spartan is considered the high line; usually on older coaches come with a higher trailer tow rating.
People- most of the folks we meet every winter are of the same mind as us ; away from the cold; our usual park is 45% Canadian.
M/H , repairs& Maintenance- look for a coach that has good records/ tires, and the rest is according to the miles you drive.
2 1/2 years, 16000 miles, under $3000. Including a $1000 Water pump on the road, rest was parts as I do my own work when I'm home.
Look into your house insurance, some companies require someone check inside the house every 48hrs to maintain coverage.
Get out and enjoy, you owe it to yourself