I think you need to factor other things (do you own a economical car and can you make basic car and home repairs etc.._).

I don’t think you need to own a high maintenance BMW etc.. (in fact most people really don’t know how to handle a Boat/plane or high performance car etc.. to begin with).

You can get by with say up to a 5K property tax bill easy with around 3K SS or pension coming in (I see people do it all the time).

I even know one lady who takes one trip a year to Hawaii on less than 2K SS coming in a month. (tax bill and HOA on her condo is around 3.5K).
She has quite a bit less than 200K saved.
Playing on the internet all day is free (well almost).
And there are lots of ride share and senior discounts,
You can live fairly well surprisingly with a little effort.
Also she could play Golf everyday if she wanted to (Nice course actually from the looks of it)