I had an inground pool for many years when I lived in CA, LOTS of work and $$'s. I enjoyed it to the max so I feel as though I got my money's worth. That's the real issue as a pool can be looked at like any other hobby, and we all know that hobbies can be expensive. Was transfered to the east (PA) where pool season is short so I decided not to do the pool thing again, instead I got a Spa. Now you might think that a Spa is not so refreshing 'cause it's hot water, but let me tell you they are GREAT. First thing every morning I hit the Spa, coffee pot timed out so it was ready for wakeup. Get's the body up to speed. Same thing in reverse, every night just before bed - I never slept so good. Hot water almost seems to be more refreshing as when you get out you feel like the outside temps are a lot cooler than before you got in. So now, I'm on the retirement end of things, live again in a hot climate - pool NO, Spa YES. The one thing that no one has mentioned is the water bill. Evaporation is your worst enemy. If your area has water issues, your pool can cost you big bucks as water rates do not reward high water use. Sorry to be long winded and go to another possibility for some fun and relaxation. To your second question - If I was committed to putting in another in-ground pool, I think I would go with the fiberglass. I had a couple problems with small cracks in my cement pool the second year and had to drain it, etc. Since your location is America's landfill, and if you really are on fill, settling can be big trouble with cement. I had a friend go through a ton of troubles with settling issues. The costs are pretty similar to build either one of them. Another option that you have is to get an above ground pool. They are very reasonable in cost, you would get to see if the pool thing is what you want to do, and they have a good resale value. If you did not like the pool and all the work, etc you could just sell it. If you did like the pool and still wanted an underground one, you could sell the above ground and put one in. Kind of a win-win situation.
CD