Not really.
The $65k number is bogus.
Plus you are required to leave the ship..........and the next one is not always available to depart the same day..........so you have other lodging & meals.

You have to leave the ship at the end of a particular cruise but you can go right back on. Many people do back to back cruises and you can add lots of back to any.

Here is an excellent chart showing the features of retiring at sea or in a retirement community or in an assisted living community. Going to sea sure looks tempting!

Benefit Comparison for Senior Living at Sea | The Cruise Web

We have cruised several times since retiring and I'm always ready to leave the boat by the time the cruise is over. We were on a cruise perhaps 2 years ago and got talking to a couple who were spending the winter cruising. They didn't have a room on A boat though. They were going trom one cruise to another to another for a total of about 3 months. Since they were "based" out of Miami, they were going to see a LOT of the Caribbean. The idea of spending that much time on a cruise ship was new to me and did not appeal at all. Extend it out to a year or to several years? No, thank you.

Super Mario has an inside room with no balcony. He still works and spends his waking hours either sitting in his cabana, which is on the deck, or in the restaurants. Much cheaper to get an inside cabin.

Wife and I did one cruise in our lives, Feb., 2020 right before the pandemic. We loved it but won't do another. Too much work for too little fun. Having fun in TV.

Negative - 14 days is just about my limit cruising, even in The Haven on NCL

NFW, wouldn’t want to spend a minute on one so definitely wouldn’t want to spend my hard earned retirement on one. On the other hand, if it was a prIvate yacht that offered scuba diving and deep sea fishing whenever I felt like it (which would be very often), then I could possibly be persuaded.

As this thread is proving, you either like to cruise or hate it. Not much middle ground there.