I don’t know where your husband works, mathmom, but in our department, there is no one that fits the description you gave in #16. It would not even be possible.
People’s willingness to retire from our university may reflect the fact that health care coverage (beyond Medicate) continues for the retired faculty.
Health care coverage is a major issue for people who would only be covered by Medicare plus the supplemental policies they can afford, in retirement. We pay our daughter’s health insurance premium, and it is huge. I don’t know what our coverage would cost at our ages, but the term “exorbitant” comes to mind.