This chart shows 5 levels of care: https://careworkshealthservices.com/wp-content/uploads/2016/08/Primer_Level-of-Care-Chart_RS_CareWorks-Health-Services.pdf
1) Independent
2) Minimum assist
3) Stand-by assist
4) Hands-on assist
5) Total assist
For each level there is an estimate of how many hours per week is needed. You take the hours for a level and multiply what a caregiver salary would be for your area. It's $15.24 an hour nationally. This doesn't include the agency markup, which would not be considered for this purpose.
It assumes a family member is able and willing to do things like incontinence management, bathing, etc. for levels 3-5.
I think facility care is the way to go. Private care is expensive and one person can’t do it all anyway. You would have to hire more than one person.
In a facility you will have around the clock care. Hopefully, the facility won’t be severely short staffed. If they are understaffed, the care received won’t be up to par.
Getting old with health issues is challenging for many people. Some people plan ahead as best as they possibly can. Others don’t have resources to begin with and find it even more difficult. It’s tough.