Cold feet? No. Nervous? You bet. I had lived in CA for many, many years....and while not quite as hot as AZ in the summer, we endured hot temps, Santa Ana winds, low humidity (sometimes toooooo low...
). The Villages isn't necessarily stereotypical Florida. The summers here can be very warm, but the sun shines and air conditioning everywhere allows one to stay active. You bring up a valid point about air conditioning loss during the warm season.....if that happens, leaving till things are back in working order is an option. Some of the worse summers I've dealt with were in New England when the humidity was high.
Your husband's lupus could be impacted by the sunshine.....have you both talked with his dr about the move back to more sun and more intense sun? What are his/her feelings and recommendations?
I moved here for The Villages, not necessarily because I loved Florida, but the more I'm here, the more I learn about my new state, the more interesting It becomes. I miss my mountains, too, but there is a lot to be said for more flat terrain...
. Life is a series of changes....some we like, some we don't, some we can control, some we can't. Are you moving here for the life one can live here in The Villages or are you looking for someplace away from winters? AZ and FL are not the only places to move to if that's what you seek....AZ isn't hot all over the state, NV and CA have areas without "winter," too.
Being near family as one ages is something most have to at least think about, but if it is something that must happen, then it just will. Until then, live where you will be happy, where you can be active, alive, at peace. When and if you have to move, it will be an easier one....all the "stuff" you have won't be as important...you'll want a smaller place with less responsibility.