Alan Onit you need to post the whole story. He may have lots of extensions, or said has a girlfriend, a lease/condo or something not "tourist on holiday".
it does make a difference where you apply. The fee in NZ is extremely high. It is way less elsewhere. If you want a free entry because you don't want to pay anything, then you'll have to do the exempt entry with no visa. You've had good advice from Brandon too. Decide what you want to do, how often you want to visit, and choose one of the options.
It's not too complex for anyone to answer if you say what it is you are wanting to achieve and do. Seems you are uncertain and say you don't know what to do. If you want flexibility to visit for several months every year then DTV might suit. The retirement also gives you enough months in the year to come and go.