I do. So do a lot of people on this and other forums.
If they don't want to hear about it, then just don't talk to them about it.
No comment.
I will say this though: It sounds like the truth is not far from the cover story. You're saying (unless I misunderstand) that you're retiring, but you may get into some little side venture, whether for interest or a little cash. You're not sure what you might do yet, you're still sort of tossing ideas around in your head. Okay. That sounds reasonable. I'm not sure why that needs embellishment.
I think telling stories just makes things more complicated. You're already noticing that telling a "cover story" to family members means that you have to then cover that cover story with other stories (the "oh what a tangled web we weave" problem).
Bottom line for me is, retirement is good for you. It is a good thing. It is much healthier than your work. You've worked hard many years at a miserable job to earn the priviledge of retiring. You don't need to apologize to anyone for that. If they want to get judgmental about the fact that you're retired, well, expletive them.