Would better walkability and affordability let you save enough money to visit another town that does have O&M specialists available?
This is something I am considering for myself now.
The worst of my vision loss happened at the beginning of the Pandemic when there were no in person services available in the area. At that time my O&M training consisted of 3 hour long phone calls. I had a little remaining vision at the time and no one was really supposed to go anywhere at the time anyway so it was enough. Now that I have almost no useful vision remaining and things have improved enough that they are doing in person training again I have been trying to get in person training. Unfortunately, even though there are specialists within the normal travel distances I live in a notoriously high crime area so no one is willing to come to me.
To get in person O&M training I will have to travel to a neighboring town so I am in the process of saving enough money to spend a few days some where I can get it. Not easy because there is not a lot extra right now.