The pool is so much fun for entertaining.. We've done adult friend parties, family gatherings, even a meet and greet with our daughter's kindergarten class. It is perfect as long as everyone understands the safety rules (1 parent for EACH kid in the pool!) Get at least 2 lights for a 32-40' pool -they are great at night! I've got you by a few years (i'm 38 this year) and what i realized after my first house was "Do it now". The extra couple of bucks on a mortgage payment or an extra few hours a month at the office will not compare to the enjoyment missed by saving a few bucks up front. Besides, spending more up front provides me more motivation to go to work! If you can afford it, do it. The only reason to go slow, is to follow the 6 P rule-proper planning prevents p.i.s.s. poor performance.