Symptoms of complacency

I had an interesting conversation with RG and am summarising it here. I am back in India for almost a year now. My life is repetitive. I can predict where I will be and what I will be doing given a time and date with a large degree of accuracy. Office, Client office, car or home will explain 100% of my weekday. During the weekend, most client offices are closed.
Of course, there are times when I meet friends - but someone usually is getting married for that to happen. Such is life. Strange thing is, I am happy.
Free will has led me into this and free will is keeping me here. Some common indicators of happiness - money, partner, career are all missing. If a few years back, if I would be told that I would have almost no money, no body to share anything with and no real career, I  be very scared. Right now, I am living it and am happy.
This brings me to the main topic - Am I being complacent? I have a long and varied history of being complacency. Complacency is second nature to me. In fact, it is my first response to anything. However, this time I have my doubts. I have doubts both ways. It is irritating.