It's hard at the end of life. My Dad resisted living in an assisted living facility, but once he started to fall (once where he laid for HOURS unable to get back up), we told him living alone was simply not an option. PP, is that what you want? I know people who view these places as "adult jail" and I get that, but if you don't want it, what are you going to do when (a) you CAN'T live alone for health reasons (can't care for yourself, can't cook adequate meals, can't take care of the home or apartment, etc, and (b) moving in with your adult children isn't an option (many reasons for this), exactly what are you going to do?
My MIL's plan (seriously) is to end her life rather than do a nursing home or assisted living.
Personally, I think there are many lovely assisted living facilities. My aunt lives in one, and it is fantastic. I would totally live in a place like that. People are active and vibrant. You get your own apartment. You can cook for yourself if that is what you choose. There are a host of activities that appeal to people of that age range. If you haven't seen one of these places, I would encourage you to search them out and at least see them. They are NOT cheap, but a way less expensive than a nursing home. And, probably less expensive (overall) than hiring care in your home (which is another option).
I don't want to be in a nursing home. But, when you get to the point that my Dad and FIL were both at at the end of their lives, there simply is no other rational option....unless you count suicide as a rational option. My father was completely unable to care for himself. He needed someone to feed him. He was incontinent. He could not walk. Could not shave himself, etc. No choice other than nursing home care. My FIL suffered from MS for nearly 40 years. He literally could.not.move the last 18 months of his life. Could not speak. His eyes moved. His eyes would "light up" when people he knew came to visit. His lips could "mouth" yes or no. That was it. His wife cared for him at home as long as was humanly possible....and probably about 6 months longer than she should have (risk of injuring herself lifting him, etc). But again, what other option was there?!?! No one "wants" to be in a nursing home. But, for many seniors as they age, there simply is no other choice, other than actively choosing to die. And, you can think all you want that it "won't" happen to you, but if you live long enough, it is something you will have to confront.