Depends on your age...
I started with a Retirement Visa but 'graduated' to a Marriage Visa.
Reason: Health insurance is ridiculous when you pass 70.
A Marriage Visa is more paper work but doable, you need 400,000 in the bank, and dont need health insurance.
The Retirement Visa is less paperwork, but you need 800,000 in the bank and health insurance.
At 74 I am in excellent shape and dont need health insurance.