Rob, I look at it this way. Nice deep water, come and go as you please...a major asset. A hike from the car to the boat and back, yes, but I consider it exercise for me and not an issue. The bathrooms sometimes get a little overwhelmed, so you go on the boat. Never had a problem with any of our cars as we don't park anywhere near the restaurant/bar. For us, kids are out of the picture so not a concern either. Many good friends and boat neighbors so I don't mind spending the extra money to be there. As your last sentence states, you do what you think is best for you and your family and what suits your boating lifestyle.