Fine to ask advice - listen to all and select what suits you.
Towels seems like an amazingly small thing to fix on - but the principle of planning ahead is a good one. I'd suggest:
Think about your home and community,are you intending to stay put? If so, the look around your home with an eye to the future. If you own it, then think about things like a walk-in shower, ground floor loo, if there are steps, what about railings or ramp etc.
Appliances - no need to replace perfectly good ones of course, but would something else suit you better, or be more efficient?
Would you make good use of a larger freezer?
Insulation - as much as possible!
Would solar panels or similar be a good investment?
Would a different method of heating suit you better now?
If you have a car - does it still suit you?
Do you want to invest in equipment for a hobby, either out of interest or to make a small income?
If you choose not to do any of those things, think about making sure you have enough money put aside to do necessary repairs, replacements or adjustments.
I'd add that if you are thinking of moving, it is usually good to do it in early retirement whilst still active. If you are with a Housing Association / Social Landlord they sometimes offer incentives.