Neither extreme is typical. We live in a suburb. It's fairly quiet, fairly safe (someone shot up the road a couple of years ago, a friend's son mugged for his phone last year. Neither are regular occurrences, DD once racially abused on the bus, once sexually harassed on the Tube. Very nasty and stressful, but not regular and good support from the police).
We have nice local parks for runners ( and walkers, and playgrounds for children) all free. We also have owls, although no deer.
I don't have a partner i dislike, also free.
A few times a year I hear my neighbours arguing, and am grateful to be single rather than rushing off to book something expensive as a distraction.
My house is furnished with mismatched furniture because I preferred to accept things being given away than buying expensive matching items. Over time I have been able to be more selective, but still have no.interest in making things match.
Cooking from scratch and prioritising vegetables is normal as well as cheap and healthy.
I wouldn't choose staying in a high rise hotel.over camping or a hostel.
DD, when little, loved 'camping' in the living room as a treat at the weekend. We had a tent we could put up, but no reason why you couldn't make one out of a sheet draped over chairs. As a toddler had fun putting a line of masking tape on the floor, trying to walk.along it, jump from side to side over it etc
There are lots of ways to have fun without spending money.