Yes, I think you are right in many ways... I used to think that anyone would be happier here, but now I am not sure... though I can't think of any place I would rather be or that would be better. For me.
I have been here a long time and first here in 1974... back when people actually did enjoy exploring the exotic culture... I think these days many people are just here for issues of cost and often have no idea of what being in another culture means...
And if you are going to be heading into the dementia years, often a very slow process, the affect of being in a different culture may not be the best place to be...