Mexico has a lot of enclaves of retired Yanks, and it wouldn't surprise me if other Latin American countries (including Costa Rica) didn't have them also. Costa Rica is lovely, and has a low crime rate. Puerto Rico is likely to be a bit more expensive. So, either way, you don't have to speak Spanish fluently to get by. Most Latinos are patient, and appreciate the fact that you're willing to make the effort. Respect and courtesy will get you a long way. But still, you might want to explore some different learning options.