Buying under 55 is not an issue, 20% under 55 is the law. At our second house, next door was 45 & 40, both at home work. So they got to work, and play for the rest of the day.
Summer heat is a killer for us in TV, so that wasn’t an issue, we go north to the lake house until the leaves turn.
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Do not worry about things you can not change 
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