It sounds as if I'm in the same "boat" as you; I'm 62, recently retired Uni professor (but not terribly academic); Social Security does not permit paying twice for a cabin. I also usually travel inside (unless there's a superdeal on), and am interested mostly (right now) in Central America /Panama, or South America (there was an amazing price on Holland America to Australia, but that's now gone!). There are a couple of departures -- Cunard Queen Victoria, January departing Fla, through Panama to L.A. (15 days? about $1500 each or thereabouts), plus a nice Holland America round Cape Horn (Chile to Rio or Buenos Aires) in january/February, I think. (I've forgotten the details, sorry.) I'm also a nonsmoker, occasional glass of wine or Margarita. There was something else on HA from San diego but I've forgotten what that was, also. Most of these trips would involve getting back home to the West Coast, or out to Fla (I live in AZ.).
Let me know if you have any alternative ideas (Iceland?)