👵 Struggling with the growing realization that my parents will need full time care soon

My parents are both in their early eighties now, and while they have managed reasonably well on their own so far with just occasional help from me and my siblings, a recent fall my father had, thankfully not seriously injuring him this time, has made it genuinely clear that full time or at least significantly more consistent care is probably not far off now in their near future. None of us, myself included, have actually had the real, direct conversation yet about what that specific next stage might actually look like practically, whether that means one of us moving in with them, hiring dedicated help, or eventually considering some kind of assisted living arrangement that none of us have ever seriously discussed together as an actual realistic option before now. My parents themselves are fiercely independent and have resisted even fairly small suggestions of additional help so far, framing every specific offer as us treating them like they are already old and incapable, which makes even raising the actual topic directly feel genuinely difficult without risking a real, defensive reaction from either of them in the moment. I work full time and have my own kids still at home currently, which genuinely limits how much I could physically take on myself directly without some significant, real changes to my own current life and schedule. My siblings are in a similar position themselves, which means this conversation, once we do actually have it properly, is going to require some real, honest negotiation between all of us about who can actually contribute what specifically going forward. I know logically that waiting for an actual crisis to force this conversation is probably not the wisest approach available to us, but bringing it up proactively while both my parents are still relatively capable feels almost like admitting defeat prematurely, both to myself and directly to them in that moment. Has anyone else navigated this specific transition with aging parents who are still largely independent but clearly approaching a point where that will genuinely change, and how did your family actually start that difficult conversation before an actual crisis forced it upon you?