Have you not thought that you are a bit 'young' for a 'retirement complex'!!!
There are other Resorts which have all facilities on your door step where there are many who live there circa 60 and above These are safe and secure with gyms, tennis pools most of which is free but you have to pay for the golf and on site facilities for looking after your property
You should have a look at Polaris World Resorts and as they are in Murcia the prices are much cheaper than in Costa del Sol
** EDITED ** Advertising
From my profile on www.myspace.com/brianrowlands you will see that although probably older than you ,I will be spending in due course a lot of time living in Spain, besides work playing golf, bridge and walking Living in a small hamlet just outside Huercal Overa, about 60 plots and close to all facilities
There are many like us who feel active and secure enough to enjoy a good life in Spain in a small residential location rather than a retirement complex
Worth thinking about!