My DW & I purchased a 3 story, 2100 SF Condo in Celebration last year with the intent that it will (eventually) be our retirement home.
IMHO, it's one of the best things we have ever done.
Make no mistake, Celebration is not perfect. Far from it. With the real estate market in the crapper, it has some of the same issues that many other communities have. Some of the business space in Town Center is vacant. A fair amount of empty residential properties.
But the residents are (by & large) committed to keeping the community vibrant and active. And preserving it for the residents (who finance it). I.E. - You live there, you have a coded Celebration ID card which opens the gates to the neighborhood pools & some other facilities. You cannot have more than 4 non-residents with you while using the common facilities, unless it is a pre-planned function or a Community wide event ( & some other stuff I'm not real sure about)
It is expensive to buy & live there, but it is a LOT cheaper than it was 3-4 years ago. Our townhome sold in early 2007 for $370,000. We bought it last May (2009) for $182,000 off of a bank foreclosure. And we FINALLY finished the painting last month!!!
CROA fees are $207 / quarter. There is also an $800 extra assessment on annual property tax bills that (I assume) goes to Celebration. If you live in a Condo, you have Condo HOA fees on top of that.
But last July 4th, My DW and I walked 15 minutes to Town Center to watch July 4th fireworks and walked home while the traffic was at a standstill.
Celebration Hospital is in the community. Osceola Fire/Rescue has a Station in the community also. World Drive (the main entry road to WDW) ends in Celebration at the south end. If you do not want to, you never have to even look at 192 to get on WDW property. Last friday my DW & I got from the garage of our Condo to Main Street, USA in the MK in 40 minutes. Not bad, considering it's the height of the summer season.
I can't comment on the other communities mentioned, Never been to them. Isn't The Villages near Ocala? That's a nice rural region of the state, but about 2 hours drive to WDW (if that is a factor for you). Never heard of Solvita, but I've probably been by there without seeing it (not a slam, but down there it's really a "keep your eyes on the frickin' road!!!" driving region)
Whatever your decision, Good Luck!!