Tupp, you make so much SENSE.
And it's possible that a well-motivated communal living arrangement would create phamily for you and son, and ease the loneliness. You're also wise to recognize that some personalities do show toxicity in some communal situations. No harm in visiting and it'll be interesting!
I think in some apartment settings, a spontaneous support network forms. I noticed that a lot at the independent living old-folks apartment place I worked in. They were always up and down halls and popping in on each other to check on well being, and there were many friendships, ongoing card games, music and book gatherings. I think most people are attached to the idea of "single family" living as an ideal in this country....but when you're carrying a heavy load, as you are, OR you are beginning to note the effects of aging, others in rooms or units nearby can make a difference in your sense of security. If it's one of those community-minded places. Some are and some aren't, and the only way to find out is meet some people who live there and ask a lot of questions.
I know that for the first time I'm opening up to the idea of a downtown condo. Largely because I have friends in a lovely one with a huge terrace, mountain views, and they often mention friends they've met there. How nice in bad weather to be able to invite someone in for a drink or meal without going out!
Next week M and I are going to look at one of those, and also a renovated old house downtown. He's just expressed concern about stairs, and that place has a first floor master and an outbuilding that could be renovated into study/studio. I'd be happy with upstairs BR and office; my knees are better than his and my mother climbed stairs until she was 95.
It's both daunting and exciting to think there might be A Place for Us. And I know there's one for you and son too. Keep looking and don't be afraid.
Hugs
Hops