Also I have been able to pawn or sell extra guitars acquired when works was better. Art tools can retain some value.

I hear you. In my case I was finally able to get to music late (past 50). I'm so grateful I was around long enough to do that. It does not pay any bills, but it gives me much happiness, even though the guitar playing is subpar.

Don’t worry guitar is an awful instrument in design and worse than learning German. Enjoy the ride, the quirks, and all the fun songs along the way. Nothing like Tom Petty to make a whole room feel great!

Well said, indeed! I am in fact working my way through some Dylan, Neil Young and Tom Petty, among others. I simply Won't Back Down. ;)