papa - picking between building your vision of your lifetime house/homestead over time vs just getting it done is a difficult choice. I have no advise, but will share a story of some relatives.
They bought land, worked for a decade on weekends to make it beautiful, saved money and built a house they could grow old in, doors wide enough for wheel chairs, walk in showers, ability to have the chair lift between floors really planned it well to suit them as they aged. After working that hard, and living there 5-10 years, only a few in retirement they decided to sell. They desperately wanted to move closer to grand kids spend their time with family. They were willing to give it up to be closer to family. You never know where life will lead you in a decade.
I hope you find comfort in whatever path you choose.