Well, I'm planning on blowing big bucks on a CCRC when my traveling starts to self-limit due to age. So I don't see my spending going down. It will just reorganize. I expect we'll be paying a big chunk up front for the CCRC - some of which should eventually go to our heirs, but won't be available for our use while we are alive.
The CCRC endowment decision is not applicable to all CCRC.s, but a matter of choice during selection. In our case the only requirement for living in CCRC apartments is a one month deposit.
In general, I think many folks see CCRC's as condo's or nursing homes. There are many, like ours, that have multiple choice and sequential options...
Regular stick built homes (where we currently live), rehab units, assisted living units, nursing home units, and memory care units.
I mention this, only because of two cases with which I'm familiar, where people we knew were directed into endowment type quarters, which upfront costs depleted their savings. Endowment in this case meaning about $200K, which ensured continued care. Yes, when the the person passes away, there is a return of unspent monies to the estate, but that's a matter of the choice.
There are a number of online search websites that offer information and contacts to CCRC's. Our CCRC and two other local is not listed, so I wonder about how complete the search would be.
The devil is in the details. Many of our ER members have discovered that locating the right place for their relatives is not a simple operation, and doing it right takes time and major effort.