Being retired does allow one more time, however, although I agree with Val up to a point with regard to the N roads, some of them do appear to go through every village and hamlet and slowing to 50 km every 5 km eventually gets my goat. You also can sometimes end up going right through towns you might wish to avoid with the van on the back, especially if like me, you miss the sign at the beginning. Market days can be a cracker. Cahors on a Sunday after 'you know who' thought it would be dead quiet.
I agree the autoroute tolls can rack up, but I do use them to save a bit of time when I just wish to get from A to B, and to save the nerves. Also having the Aires can make life easier, except at peak times.
A meal for 2 averaged anything from 25 - 50 euros for us depending on where you ate, and what drinks you added on. That is very much equivalent to Edinburgh prices. However, my wife has the answer to her not doing the cooking....I get to do it, and not just bangers on a BBQ. My Moules Mariniere are according to her better than the restaurant's. And my veal Scalopini....?? All done with an outside electric frying pan/casserole and a single gas burner. The main cost? Apart from the food, my beers.
The other point I want to make is that once you are retired, you do not go on vacation anymore. Vacations are those short breaks between working and as you do not work when retired, how can it be a vacation? We call it 'temporary relocation' as we do not need to visit all the touristy things anymore, and cram everything into 14 days. Just relax and enjoy life. On a number of days we did not even leave the site. Snoozing under a tree.