Have you considered downtown. That is a place you can surely live without a car 90% of the time or more. I don’t know if the prices will get to the same point, but maybe you’ll be able to get a 1400 sf condo downtown for the price of a 2500 sf house in Temecula at some point.
The big negative though is the HOA’s which will at least track inflation over the bext 30-40 year of your “semi” retirement.
I would at least consider it an option.
