My MIL started failing from about 85. She has had both a bypass and a valve replacement. She has multiple long term issues with a hernia and arthritis. She also has fractured her hip. We live 60 miles away and both work FT. DH. took a job in her hometown and stayed over from Monday until Friday. She refused carers and cleaners
Then the fall started - we came home from France, we couldn't go away weekends without knowing we could have to return. She refused to mover to our town as she would not see her friends and eventually she allowed carers in.
By this time she was immobile and basically confined to a chair in one room. My DH was doing personal care every night, toileting, washing, dealing with falls. It could not go on. She gave me POA and we eventually managed to persuade her to go into care.
She has thrived there she still sees her friends, but she looks cared for - opticians, chiropodist, hairdresser, etc. Yes she's paying for this using the proceeds of the house sale but she is safe and fed. My DH visits at least 3 times a week, I buy her clothes, deal with pensions and banks and he does the rest of her shopping
We are due to retire and we intend to spend some money rejigging the downstairs layout of our house which will allow ground floor living if necessary. I'm also massively decluttering as clearing her home was an utter nightmare with paperwork stuffed down chairs and so so much stuff. We already live in an area with good public transport and local facilities - if we didn't we would move.
I don't want to live to an age where my life is so restricted but you can't see into the future but you can prepare because I find the older you are the less likely to accept any sort of change. That's why we're doing it now. All our DC know we absolutely do not want them doing any sort of personal care.