I'm not going to make a specific recommendation but since we share some things in common I'm going to tell you about me and maybe raise some other questions for you to consider.
Our commonalities:
1. I've got a few years on you in terms of photo experience. 1975 is about when I took my first job in the industry. Since then I've made my living in one form or another in photography.
2. I'm retired now.
Fast forward to the 5 years before I retired (2009). One of my life-long goals had always been to carry a camera with me at all times. During the film era I tried that rather unsuccessfully with a number of small cameras like folding rangefinders. Basically it was too much trouble. Now in the 2000s I'm trying that again buying small digital pocket cameras -- things like Sony WS or Panasonic L whatever cameras. Tiny sensors but shirt pocket size. So I finally manage with these little cameras to meet that goal of always carrying a camera. Trouble was I couldn't tolerate the cameras for very long. Some of them could take really high quality photos but they were all uncontrollable in one way or another and would eventually p*ss me off and one of my nephews would get a slightly used camera and I'd buy another one. This went on until I compromised on the camera size and got what they call an enthusiast compact -- Samsung EX-1. The critical differences were 1. Full manual exposure control. 2. Manual focus override. 3. Saves raw files. No shirt pocket but it fit in a jacket pocket and otherwise hangs easily from a wrist strap. Now I carry a Samsung EX-2.
In the meantime I'm slowly but surely selling off all the film cameras and my main digital camera is a Canon 5DmkII with some L glass. So I was shooting FF. Gary and I have much in common. I love retirement (only semi-retired as I still do some part-time work). Lots of really positive changes with retirement; some planned and some not. One not planned change was how quickly I stopped using the 5D. I take more photos now that I'm retired than ever before. I now have a camera that goes with me everywhere and I get out and walk a lot taking photos almost daily and I really enjoy it. That 5D was big and it was heavy and it was expensive and it just didn't fit with a walk to the grocery store. When I did something with more "photographic" potential like a hike in the forest I'd bring the 5D but leave it in the trunk and wind up using the EX-2. Eventually the 5D wound up in the closet. My wife would find it every couple of months and say, "Hey what camera is this?" Then she'd say, "What did this thing cost?"
So two years ago after the 5D had spent a couple years unused in the closet I decided it had to go. Could I live with just the EX-2? In fact I had been, but I also occasionally felt it's limitations. So I decided to look for a more modest alternative to the 5D hoping I'd find something that I would in fact use. Like Gary I settled on Fuji X.
Derrel nailed the reason: If you shop for a camera before you've shopped for your lenses you're doing it backwards. I had decided to downsize to APSC because one of the biggest reasons I had stopped using the 5D was size and weight.
With the Fuji I cut the size and weight by more than half. Everything I'd read about the Fuji glass was true. Apart from the most exacting low-light situations my Fuji produces results equivalent to (frankly better) than the 5D (ten year old tech). I don't miss FF at all and I do at least use the Fuji now. I carry it on walks sometimes and when I do something with more "photographic" potential I take the Fuji and use it.
But here's the kicker: If you asked me what's my main camera I'd answer the EX-2. If you forced me to choose only one I'd choose the EX-2. I'm also looking forward. I want to keep taking photos. We're retired now. How are your knees? My EX-2 has a fully articulated LCD. I can take low angle (right to the ground) photos by just bending over -- I can still bend, but it has to be a truly awesome sight to get me down on the ground anymore. I'm not going to get more flexible in the years to come; neither are you. Here's a photo from earlier this week when I walked to the bank:
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I wouldn't have taken that photo with my Fuji because I would have had to get down on the ground and I wouldn't have carried the 5D to the bank. (How about that: flowers in bloom in December in St. Louis!) The camera is two or three inches off the ground. The EX-2 articulated screen let me do that without physically getting down on the ground and then having to get back up. ;-) It's just a photo of a pansy -- nothing very special, but I enjoyed taking the photo and taking photos nearly every day is an important part of my retired life. When I stop taking photos......
IQ concerns: I can pull an 11x14 print from that above photo that you can't tell apart from the same shot FF. That's not comparing APSC with FF: the EX-2 sensor is half the size of a postage stamp. The EX-2 can't do low light. It's in trouble above ISO 400. But I've got the Fuji for that. FF is still better but not by much.
Enjoy your retirement and never stop taking photos.
Joe