Some excellent comments so far, as I would expect from the so many knowlegable posters here.
I can also probably speak to this since I'm one of the people here who has been retired now for several years, in my case about
12 so far, beginning in December 2007.
As you probably already know, we have had retirement discussions here on the forum before, whole threads in fact, with the sharing of some very good information and experience as a result.
Below I have linked to three of such earlier discussions, ones which I remember as being especially useful, and which, taken together, I think answer a lot of the questions you are now posing.
General retirement issues:https://www.healingwell.com/community/default.aspx?f=35&m=4071931
and this next one I think is especially valuable, and I definitely recommend taking a look at it. Its theme is "some things the planning guides may not have covered," and it presents some observations based on my own retirement that I hadn't seen mentioned in other website discussions:https://www.healingwell.com/community/default.aspx?f=35&m=4073174&g=4073455
I think retiring is like so many of life's other major experiences in that it can seem intimidating at first, but, once done, we say to ourselves "Gee, that wasn't so bad!" And if there is a single commonality in all the aspects of it, and one that I probably emphasized repeatedly when I posted in the above links, it's that we as individuals are now totally in charge
of our lives. Often this is really for the very first time (no more bosses, no more timetables, etc.) and initially this can be daunting. It's not the way our lives have gone in the past, and we're not used to it.
But one does get used to this "new normal," and even pretty quickly at that, and the empowerment which it brings is satisfying indeed.
So I do recommend that you take a look at the above three links, especially the third one, and hopefully they will help.
But there is one thing for sure that you are doing right at this time. You are on top of this retirement business now, before implementation of it begins to happen, and so you are planning and taking the necessary steps now to make sure it all gets done properly and comes out right!
Very, very good!