Cognitive-affective-social engagement is crucial to maintaining quality of life in all ages, especially for aging seniors. In this meta-analysis paper, we reframe discussions from usability to the design of cognitive load in terms of learnability, goals-problem-solving and three types of cognition amidst intrinsic and extraneous load. We premise that cognitive-affective-social engagement arises from goal-based intentions, involving meaningful learning either directly or indirectly. Thus, first, design for germane load, then address intrinsic and extraneous loads. We premise that germane load/generative processing/learning can lead to excitatory neural circuits, crucial to the stimulation/maintenance of brain plasticity/develop a certain degree of compensatory networks. Second, we premise that prompting goal-based intentions, developing better problem-solving skills and distributing cognition may be more effective in reducing the scope of information processing, thus reducing extraneous cognitive load and releasing capacity for generative processing. Findings highlight that for interaction design, four factors, i.e., authentic relevance, playfulness, challenge and “rewards” contribute to meaningfulness/worthwhile goals. From a user interface perspective, identified pragmatic attributes need to be complemented by certain hedonistic attributes for personalized engagement-services to suit contexts, objectives, needs and abilities. Implications to personalized services/affordances conclude.