This was beautifully written. But between your fears of climate change and your concerns about the cost of buying somewhere that you actually want to live, you seem to be making a really good case for your continuing to rent.
I understand why you're moving, but why are you trying to buy?
Let the landlord shoulder the risk of climate change. Of ever rising real estate taxes. Of repairs.
Stay flexible. You're not planning to sell so you're not buying for investment. And that $100,000 in purchase costs is 4 years of rent at $2,000 per month.
There are a lot of towns where you can rent a 2-bedroom house, with garage, for that.
Especially since you are fine living away from people.
What's the appeal of owning at this late date?