This is such a good question, and at your age (and even at mine, I'm almost 44) it's probably too early to tell. For now, we are busy and happy at our home base in Wisconsin. We can retire right here and it would not be too bad, except for the cold winters. And we have friends and family and a social life.
We could downsize in our community. Or we could go nearby but to a prettier area --- I do have interest in Door County, WI, which is nearby, pretty (but the winters are very quiet, but I like quiet), and summers are kind of nuts with tourists.
I have visions of a lake, but a cousin has a home on a lake and after he had explored it thoroughly, it's now, just a lake and not that exciting anymore.
Hard to say, really. Let us know what you dream about.
I would like to be able to travel. Maybe staying at our home base, or a smaller home base for 2 people, and some nice travel would be cool.
My uncle who is almost 90, has a lake cottage (almost a shack) where he lives in summer, and then he and his girlfriend go on great driving trips out West in the winter. He's really happy.