Most people are better at words and phrases than I am. I apologise if I am a bit blunt, it is how I am. It is supposedly called being pragmatic. I think blunt suits me better.
We have a very old lady here, who isn't likely to live much longer (er, my great aunt was 106 when she died, so I say that tongue in cheek). She needs looking after. Soonbetter, for whatever reason would rather not do it directly. And I understand that. It's bloody hard, depressing work doing it for a much-loved relative without doing it for one you don't feel so much for. I didn't feel all that love for my mum. So I know what it's like. I couldn't have done it either.
Soonbetter, you didn't do yourself any favours by describing her as a smelly old woman. My mother in law was one of these, and some are, and some aren't, and it didn't affect how we looked after her.
You also didn't do yourself any favours in declaring that in your 60s you should be enjoying a gentle retirement. I don't know anybody in their 60s enjoying a gentle retirement. Unless they lost their parents early, ALL the 60+ year-olds I know are caring for elderly relatives. Some are also still bringing up teenagers with all that entails. Some are even bringing up grandchildren cos of marriage break-ups or the early death of their child. Many are still working. I would suggest that 70+ might be a time of expecting a gentle retirement, but 60+ is a bit young to see it as a right. But I am not saying that is how you should be, just be aware that very few 60-year olds are likely to be living a life of ease.
But, if your MIL is ready for a care home, and you think that is the right place for her, I support you 100% in you making that choice. I did it for my mum. Because she had her own house, she was self-funding. Yes, it cost an arm and a leg, a ridiculous amount. At the time, mum was only 80, she could have lived for 20 years. We imagined ourselves being penniless with the payment of top-up fees after her capital ran out, and we prepared ourselves for that. Resigned ourselves that our own retirement fund would disppear. As it happens, mum died suddenly a year later, so although most of her capital had gone, our own retirement fund was still intact.
You say your mum has carers coming in free, so that indicates that she would be eligible for a funded care home. I suggest you look into that.
You don't seem to be in a bad position really, but please let me know if I have misunderstood.
Margaret