This page is handy for comparing the various watch models.
Compare specs for the latest Apple Watch models: Apple Watch Ultra 3, Apple Watch Series 11, and Apple Watch SE 3.
www.apple.com
I'd recommend sticking with the aluminum models. Steel/titanium models look more professional, but that's not a concern when you are retired. The extra durability you get from the better screen and case material isn't worth the extra cost, in my opinion.
However, if you can afford it, I'd recommend taking a look at the Ultra. I know you are thinking you just want "basic" features, but the Ultra screen is much easier to read than the regular watches. Older people tend to have weaker eyesight, and if that's the case with you, then the Ultra screen could well be worth the extra cost, even if you never use any of the other Ultra features.