First off..... 54 is old as dirt, almost ancient.
Heck, I'll only be 52 in Jan.
You want to live life, that's obvious.
Get your bike, personalize it, become comfortable on it...and make plans.
Accidents, both minor and deadly, happen to all age riders. Always has and always will.
Baja is a great place to do some out-of-country riding. You can easily pick and choose remote vs not so remote, get away from things, feel self reliant, explore at will, rejuvenate at some modern cities, US facilities aren't that far away, etc...
Set stages for yourself, ones that you're comfortable with, not some set by others and based on what they do. You're in charge of the curtain, when it raises and lowers...cuz it's your stage.
If you sit on the couch, all the other taters will be boring to you....