With a couple of limiting conditions, and getting older too, of course, I can relate to what you're saying. But I'm not giving up rivers in favour of commercials. There's an in-between option, and I search out stretches of river where you can park on or near the bank, the access is not too challenging and the pegs are either stepped and platformed or naturally manageable. A flat walk of a couple of hundred yards can be tackled, on a good day, with a specially small lightweight box, minimal gear and a trolley.
It can all be a bit of a pain, involving a lot of thought about where to go when, a fair bit of driving and exploring, and buying several club cards where each has only one suitable stretch. Alongside this I have a small set of accessible “natural” or traditional lakes I can go to. If all else fails, there is the canal.
I'm quite sure my catches would be bigger and the whole experience more convenient if I could enjoy the commercial experience more, or liked the ones in the area more than I do. I'm often frustrated by having to calculate and adjust what can be managed on a given day. But try as I might, (and I've fished a fair few) I've been unable to warm to the bare landscapes, the claustrophobic scale, the minimal space allotted, the “steroidal” techniques, the lack of bankside etiquette, the prominence of car parks, cafes, toilet blocks, chalets......
I suppose I should be careful – I may have to get to like them sometime. But for now, I'd rather put in the effort to find places I enjoy, even though the horizon has got a bit nearer.