Boon54,
Each point you made, I am living the same. Before I retired at 67 (I'm 75), people kept telling me how they hated retirement, that they felt rudderless and bored. After working for more than 50 years, sometimes with numerous bosses over me and often with significant numbers under me, I approached retirement differently. I told others that I looked forward to it as I was tired of working and disgusted with typical corporate environments. In face, that held true, once retired for 5 years or so. I enjoyed merely sitting, being lazy with no outside pressures. That did not last. I became the caregiver for my ailing wife and that lasted for over 30 years.
Now, I don't have to get up quickly so I laze around, catnapping until I feel good and ready to rise. When I hit 70, I started to wonder about my worth, and what I had accomplished in my life. I published 4 novels, but the difference between being an author and being a successful author is great. When I first held one of my books in my hand, I felt elated, but the value of one's writing efforts is directly tied to sales and/or positive reviews. I have the reviews but sales have always been slow. I'm not sure if "coasting along" is a bad thing. Perhaps that feels wrong only due to a previous life of constant work.
I am certainly not a great example of successful retirement. Now that I am widowed, I certainly have all the time in the world (except, I am a heart patient), so ....
So goes the life of this senior.
Great relating with you, Boon54!
-David-