Margaret says that if you grew up skiing, it's not AS dangerous, which must true, but let's not pretend it's not full of risk. Let's face it: you're much more likely to wrench your knee or break a bone skiing than laying on a beach. If I were a professional athlete with my body on the line, I'd give up skiing until retirement. But, to each their own.
As to you, Don, I'm with you. I think skiing is hard, and effortful. And expensive, even though I had local slopes. I took it up only at 20, which is not young enough to be a natural skier. I had some great teachers, but I was never a smooth skier, though a reckless one. I gave it up at 50, as too risky. I support your decision if you decide to just play tennis all winter.