The northern area of the lake certainly has more rocks and navigation challenges. The more central you are the easier it is to get to the different towns on the lake. Your budget is one that opens a lot of possibilities that most first time lakefront home buyers don't have.
It would be nice to have a location where you didn't have to worry about rocks when you dock. I have a friend who stands on the dock every time I visit yelling about watching out for the rock 30 feet off the end of his dock. After all these years, I am surprised he has not joined the Winnipesaukee top secret move a rock club.
If you are commuting to the new home for weekends and vacations the driving time involved should come into play, especially if you have young children in the car. Living in that house with a family will make it necessary to shop for groceries and many other things that you will use the nearby stores for. That distance should also be a consideration.
I am very fortunate to be in Gilford. Although the area may be busier than some would like, when I am at the house, what is going on in road traffic is not a concern. If you are someone who takes on projects at home then it would be nice to have a home supply store nearby. There are some days that I have gone to Lowes 2 or 3 times (poor planning) and I am glad it is right up the street.
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