To me the ideal retirement spot would be Ventura California, unfortunately that's not going to happen for family reasons. Sea, carvable canyon roads, no biting/swarming bugs, low crime, excellent health care, no need for heat or AC, skiing 1.5 hrs away, LAX or SB airport in under an hour. Down side is cost of living is comparable to Toronto.
My current plan is SW Florida. Civilized, safe enough, cheap enough, good roads, good ocean. $99 flights from Buffalo about 1/2 the cost of living in Toronto (house there $250k vs 2M here, beer $1.50/pint vs $8/pint, bike insurance $400 vs 900 (additional bikes $15 mo).
Third world tropical paradises are out for me. Been to enough of them in my life to know it's not for me. I didn't work my whole life to retire in a third world jungle paradise where 99% of the population is destitute and under the thumbs of a few political mobsters. When I slurping Coronas on the beach I don't want to be relying personal armed guards to keep my bike, wallet, glasses, and socks safely connected to me.