I am in exactly the same position as yourself, with one additional complication. I have just had my second replacement hip; I now have a matched pair. This has left me with a definite loss of flexibility, which I feel takes sailing out of the picture. A friend has a Caledonian which I know I could buy, but I honestly don't think that I could manage. So until I find something suitable I'll hang on to my money [and hope that the stock market will recover soon].
Peter.