A few thoughts that might help
1) Budget is very important here. There are a lot of options are many price levels for buying longer lenses, however the prices increase very fast. Also sometimes whilst the top end lenses are better, they are not what a beginner quite wants to jump in with. A big financial investment and also quite large and heavy they can be a burden more than a boon to some when getting started. Sometimes a cheaper, but decent quality lens is much better to get used to and see if its really for you.
2) Most if not nearly all the 70-300mm lenses are going to be variable aperture lenses. A limitation certainly, but its not the end of the world by a long shot. Indeed many often shoot even top end lenses at smaller apertures for a greater depth of field (bigger f number). Where it can let you down more is in things like auto-focusing speed and working when the light gets dimmer (though a lot of modern DSLRs have very good high ISOs now so those limits are already being pushed back from the camera end)
3) As well as 70-300mm there are quite a few newer age longer zooms such as 150-600mm by Sigmar and others. I must admit that I've not been buying a lens of that nature for a long while so I've lost track of specifically what is on the market and their prices. I suggest it as an avenue for you to look into as you might find saving a bit more and getting a native loner reaching lens might well help you out far more.
4) You mention retirement so, and I mean this with no disrespect, weight might be an important factor to consider. The better the lens and the longer the zoom the heavier the lens becomes. Your standard 70-300mm is not that heavy at all; however many of the higher end and longer reaching lenses can be heavier by a noticeable margin. You might well, once you've made some chioces, see if there's a camera shop that retails then that you can try them out in before buying locally; or see if there's a camera club in your region where you might be able to meet up and see if any there have the lenses (or similar) and then can let you have a hold.
This is another area where sometimes a lighter lens that you get out and use can help you build up the skill in handholding and endurance so that you then are keen and prepared to step up the game to a heavier lens.
Of course it also depends a lot on how you shoot; if you're going to reserves and hides and the like then you might well not worry about weight as you can setup on a tripod and be fine; you can also walk and use a monopod to take the weight too.
5) (edit) the 400mm f5.6 is a very popular lens. I know many who even own higher end lenses and they still keep and use the f5.6 because its their "light" lens for when they don't want to lug the big monster gear around. If its within budget its a very serious contender.
@kmilo - Sigmar makes the 120-300mm f2.8 OS which is constant aperture, though whilst its a lot less than your rough estimation its still well up there in the thousands of dollars.
Tools of the trade: Canon 400D, Canon 7D, Canon 70-200mm f2.8 IS L M2, Sigma 120-300mm f2.8 OS, Canon MPE 65mm f2.8 macro, Sigma 150mm f2.8 macro, Tamron 24-70mm f2.4, Sigma 70mm f2.8 macro, Sigma 8-16mm f4.5-5.6, Raynox DCR 250, loads of teleconverters and a flashy thingy too
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