Hi Felix,
DH & I met when we were in our 20s and he was working in the US for a Brit company. We lost touch for 20 years and had other 'lives', but reconnected when he was 52 and I was 45. We got married, and I moved to the UK. We were very happy there and had a nice life until problems arose with his adult son. They had a business together, started with DH's money, but DH had always given the son free rein, on the assumption that 'we only take what we need' from the business.
Long story short, son decided he was entitled to, and needed, all of it, and set about making DH's life a misery. DH sold his "half" but son stopped paying after a few months. So, we took what little money we had, sold the house, paid off the mortgage and went to the US where I could work. And work I did, with no holidays, and many 18-hour days for the next 11 years.
Fast forward - I missed the UK more than he did, and the health care issue was a huge problem for us in the US. DH worked until he was 70, mostly for the health insurance. We wanted to return here for many reasons, and did in 2011. I retired at 65 in 2012 (a year early) so my SS is reduced, but still a reasonable amount. DH has a small SS benefit plus his UK state pension, which is tiny because he worked abroad so much.
Our life here is good. We are comfortable, but not rich. We walk everywhere we can, and don't eat out by choice. DH mumbles about England going to the dogs, but he wants to return to the gentle life he knew as a kid in the 50's and as a young man in the 60's....and he hates change, any change. I see changes, and I accept the UK for what it is, and while I disagree with many things that have and are happening, I also recognize that all was not well for a good many people 40-50 years ago.
Problems are everywhere; some the same, some different. Here people want to blame 'the government' for everything, even obesity. In the US, I think we like to blame the government, but not to the same extent...mostly we blame the political party that we don't support.
I look forward, DH looks backward. Now that we are here, he also wants to blame the US for starting every conflict in the universe, and is convinced the US and the UK desperately want to start WWIII. Usually I don't rise to the bait when he tries to start these conversations, because I love him, and he really is a good person. I'm mentioning this only because it's an example of how folks view life. Look for the negative and you will surely find it, and will be blind to all the positives.
Look at things as logically as you can, given your age, job prospects, health issues (if any) and most importantly, where your heart tells you that you need to be. It has to be right for both of you. BUT - never forget that you are entitled to change your mind if it doesn't work.
Do I regret moving back? Not one bit. Does DH regret moving back? Not one bit, despite all his mumblings about "England is finished".
And don't listen to all the doom and gloom - some of the prime instigators are just miserable folks who want you and I to be as miserable as they are, IMHO. That applies to both sides of the pond.
Whatever your decision, good luck!