Not just the house. What kind of person/family are you?
The questions of things like an association or considering another lake are highly personal.
I had a neighbor who moved from a condo environment. He was unhappy with the house because he enjoyed getting together with a group of people. A private home was no fun. He sold the house and went back to the condo. With kids in the mix, associations have other kids and activities for them. In a private house you may have to bring their friends up with you. Yes, we had neighbors with kids but more often than not they were not there when we were. Plus the neighboring kids were boys. My daughter got along OK but would probably been happier with girls.
As to another lake, how do you use the water? Personally, I am not a sit on the water all day type of person. I like having destinations for meals, ice cream, activities, events, shopping, etc. I could be up for a week and never use my car. Sure, we did some tubing and I had jet skis for splashing around fun but the majority of time I was heading to Wolfeboro, Meredith, Alton, or Center Harbor. Most other lakes cannot supply that kind of experience. Many have NO major towns on them.
That's me. I was VERY happy with a private home on Winnipesaukee. Knowing what kind of people you and your family are will go a long way toward being happy with a MAJOR purchase and ongoing commitment.
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