Buying older home versus new home

[Julia]

We are torn between moving into an older community with better amenities and settled community, buying a 1988 Wellington versus staying in a nice newer development (2002 Champion) with the amenities still being developed and not big enough for the community. The marina, dock, storage was promised but, not done after 2 years. Clubhouse and pool is not big enough for the community. Being from Florida there is the issue of insurance being more expensive for the older home. We are in our late 50's, early 60's and this will be the last home--we are not rich. We would really like to enjoy the rest of our lives, but is it a bad financial move? What do ya'll think?

Thanks,
Julia