BOLD IS NOT BORING

You may think you should aim for the 20%, and if you get lucky, a 5%’er might fit into your customer base.  What I am recommending you target 2% of the 20%, that upper tier of the upper segment of the market.
They not only have the money, but they also have the ability to spend without too much worry about their savings, investments, or retirement funds.  In fact, if they are in the Boomer class, they want active lifestyles and have no interest in retiring. They’re spending their retirement so they can “live the good life.”