Yes I think that anyone who is mortgage poor in retirement does not understand risk management. Allocate a % of your total return to accommodation and stick to it. IF you have a second home (or RV), apportion part of your travel budget to its maintenance.
When we had a big 5000 sq.ft. home before downsizing, I split the cost between lodging expense and speculative investment ($320k half and half). The home value peaked at $1050k at the nine year mark and my family resisted my desire to downsize and move 10 miles further out to a lake. Seven years later, we sold for $535k so my speculative return was (535/160)-1 or 6.5% per year (but we could have made a much bigger return at a cost of personal disruption).
For the fun of it...Keith