I am most grateful for these thoughtful replies. These are the kinds of first-hand impressions that do not always show-up in websites. And I agree that only on-the-ground experience will give me the necessary "feel" for things that a person should have.
I understand the healthcare situation better now. I will be ready to pay for such things out-of-pocket (subject to any reimbursement from any insurance policy I ever buy).
Given my English/Irish/Scottish/German heritage, it will not be a problem for anyone to spot me as a westerner. More seriously, I had thought about living in a gated area, although it also occurs to me that these would be magnets for anyone who is ill-intended. But the balance favors living there, I know. I had also thought of looking around Cebu City. It is more expensive, but there are good reasons for this.
I have been told that there are differences in culture as one goes farther north. Perhaps this is a reflection of who I have heard from -- most Filipinos I have met are from the southern Phils. They have counseled me to stay in the south (despite the possibly higher dangers there), but then this WOULD be their view!
It seems to me that one must simply realize that a westerner's decision to live in the Phils carries with it SOME increased risk, so it becomes a question of managing it. And there are offsetting benefits, obviously, which is what draws me there in the first place. The Filipinos I have known have been wonderful to me, just as you have described. Believe me, I have no interest in becoming entangled in Filipino politics. Aside from the potential dangers, I would have no place weighing-in on such matters -- for one thing, we do not exactly have the wisest politics or policies here, so who am I to preach?
One thing I do love is the outdoors, so I can see that I will have to think carefully about where I go, what I do, and with whom I do it.
The counsel about physical and mental activity is of course wise. I am physically active now, and I am sure that I will continue to be. As for mental activity, one thought I had is to volunteer to do things that keep one's mind in gear, such as teaching, maybe. Are there other things I should consider?