JKJoshuaTree, thanks for your honesty! Yes, we have been circling this decision for some time and you are accurate. Fortunately we've stayed on island property several times as non-owners ... we know it's quite different from being an owner, but we've definitely hauled our share of trash and recycling down to the docks and carried groceries back up, shut up the house again for the owners, etc.
Our great experiences were why we decided to make the jump from being renters and guests to becoming owners ourselves. Huge learning curve ahead for us? You bet we know it. No question lots of $$$ and work.
We've been sort of looking around for years ... just this year decided we might finally get the ball rolling and go for our own place so have been going around with the realtors and asking tons of questions