Many embassies DO require actual tickets. If you're unsure, then book a fully refundable one. It's more expensive, but then once it's granted you can cancel it and buy a cheaper one for any new date.
I used a real and non refundable ticket for my application. Mind that if the date is too close and it isn't refundable, you could lose the money. I applied around two months before my intended entry date.
Participante anónimo you can be a retiree (or not), it doesn't matter but they'll most likely would ask you later proof of either remote job, soft power courses or medical treatment.