It is fine to put you are unemployed. More embassies want to see how you can support yourself on SP hence employment info request. You can submit additional savings , investments etc to show your financial independence.
You don't be stupid. The DTV is great for what it is, same as the retirement visa is great for what it is. No one is not saying the DTV is not a tourist visa .You need to get real about the retirement visa and its' limitations.
Yes, visas will change for sure. A good observation on some non o's displeasure with the DTV. This fetish some have over 12 months and not having to leave the country is crazy.