I lived in the Alps for a bit and explored a lot of the area in France, Italy, Switzerland, and Germany. Been back to Europe for work over the years since, which means trips to the bisg business centers primaril, like London, Paris, Brussels, Amsterdam, Frankfurt, and Stuttgart. I did recently get away for a 2 week vacation to Ireladn with the misses, which was great.
Overall in my opinion, while the food is better in Italy and the drivers are worse, I would take SW France and specifically stay in Aix-en-Provence. From Aix, its an easy drive to explore some great, and uniquely different places like Monaco, St. Tropez, Marseille, Avignon, Lyon, the Italian & French Riviera, the Alps, and some great national parks. Plus, the train network im France is better than in Italy, so quick (< 3 hours) trips to Barcelona, Milan, Geneva, Paris, etc. are feasible. While Florence (which is where I would stay if you pick Tuscany or Sienna if you want a smaller town) is really only central to Italy itself. As for the people, talk to most people in France and they will tell you the people of France are different, in a good way, than the people of Paris. I made my best effort when living in France to adapt, use French, respected the new culture around me (versus arrogantly insisting that as an American I was automatically better) and never had a problem.
Beyond the joy of a trip to Europe, if you do want to retiree there, be first to check into immigration laws, taxes, cost of living and health care before you make a decision.