Arlme the situation you describe was pretty much my Dh and me this time last year, although my Dh was as keen as me to move. However, this time last year we were also sitting in a freezing cold house, having lost all services after Storm Arwen, and that put the final seal on our mission to find a new home. We wanted to move to be closer to services and make it easier to see our family.
The other decider was when a friend and her Dh, who was disabled by a severe stroke some years ago, both ended up in a care home after a sudden change in her health and ability to cope. They weren’t that elderly, mid-70’s. They had no choice in their circumstances, they couldn’t live at home any more and had to accept what was provided to them. That was all because they’d delayed and delayed selling their house and finding somewhere more suitable. I knew I didn’t want to be in a situation where other people decided about my life, if I could avoid it.
Decluttering after 25 years was a challenge but slowly and steadily, we got there. I’d definitely start that now, with smaller things, if need be. Ask yourself why you’re keeping hold of things. We had many, many books but I reasoned that I almost never reread anything so anything that has been read went. There were others I knew I’d never get round to reading, for various reasons - one book was so old I could no longer see the tiny print! They all went. Out of date reference type books got the heave ho. Cookery books I no longer use or use just one recipe went, after I’d copied it down.
My DC’s stuff was offered to them and if they didn’t want it, that went out. Items that were duplicated (how many jugs and vases does one household need?) went. Basically, it it didn’t give me pleasure or wasn’t useful, it went.
You could ask someone to come and value your house. That was a big breakthrough for us. We were at first shocked at how low it was and wondered if we’d be able to proceed but then came to the conclusion that they’d undervalued it. However, the survey was excellent so we put it on the market above their suggestion and were justified when we sold for almost 15% over the raised asking price.
When you have a figure written down on paper/on a screen, it becomes more real and a path through becomes clearer. It’s difficult to see your way out when there are so many unknowns in the way. Good luck!