Retirement is 8-10 away. I was considering 'do I own my home outright' or do I 'buy a new home with a mortgage I never expect to fully pay off' This kind of BS

Retirement is 8-10 away. I was considering 'do I own my home outright' or do I 'buy a new home with a mortgage I never expect to fully pay off' This kind of BS makes me think owning the property would be safe, so I don't wake up one morning with a mortgage I can't pay.