I'd say get a half-in and half-above ground setup if allowed where you live. That way in a few years you can take it out, fill in the hole with not a lot of dirt, and only be out $3-4k toal (dig hole, pool, fill hole). We've got an above ground with a nice deck around it (PO put it in) and replaced just the pool ($2k kit) when it rusted thru after 15 years. I didn't want a house with a pool 'cause I'm lazy and the springs are a 10 min drive (72 year round!) away, but the wife wanted it... now, 7 years into it, 3 with the new pool, I've made the ultimate threat to the wife - let it stay green for a month during swimming weather, and it becomes my new fish tank. Maybe next year I'll be posting about my new 12k gallon tank
I like it, kids like it, I don't like the taking care of it (wife's job I end up doing, but she mows the lawn occasionally), and I really don't like swimming in chemicals. The saltwater may be ok though...
When you do get a pool, call your water provider and ask if they can do a flat rate for you on a one-time fill.