I think the whole thing about the disabilty not adjusting much for inflation would be a vote for spending less and the fact that if DH died or you divorced you could keep you tax status would be a vote for spending more. I think you are on track pay close attention to utilities and homeowner's insurance too.
That's funny that Bath doesn't get much reaction from people. It might just be quiet and sleepy. My little town is and mostly I like it except when I am jonesing some sushi.
I have spent the last 10 years living in a pretty snowy place (not this year). In my old subdivision we always had a couple of neighbors that live to snowblow and would do our driveway before we ever got started on it. DH always said that he was way better off just relaxing and having another cup of coffee than spending the money on a snowblower or paying someone to scoop.