We defy most of the conventional logic of in ground pool ownership.
1) We live in a cold climate (Northern Wisconsin)
2) Kids are all out of the house (although they and the grandkids travel from a long distance and visit each summer)
3) Love to swim laps (even though our pool is only 34 feet long).
4) Enjoy pool use virtually every day (most years mid-May to mid-September. Ten year average just shy of 4 months annually).
Someone earlier put it so succinctly and accurately. Know thyself!!!
In my own personal self analysis (flawed but inexpensive

), I used the reverse logic of,..... summers are short, so use them to the fullest.
Believe me, after living on a lake for 17 years up here, a heated pool is FAR more swimmable in May and September. Plus, no late summer season green algae, all season long half crazed vacationing boat drivers, duck lice etc.
To me, the keys are....A) Will you REALLY USE IT? Not just once a week, but most days of any given week. B) does it fit your budget? Budget must include both the preliminary installation PLUS daily and eventual down the road replacement costs of liner, pumps, filters etc. C) Do you like putzing around the pool doing daily cleaning, light maintenance etc.? D) And most importantly, do you have a safe location and/or precaution filled environment/situation? It doesn't matter how much fun it is, if you're a nervous wreck, worrying about what might happen when you're not in the pool vicinity.
So, bottom line, DON'T be idealistic. To repeat my previous poster point, know who you are. If you've succumbed to a fad (the dusty kayak?), this could end up being an expensive blunder. But, If you love to swim, and/or read while enjoying a summer beverage next to sparkling, warm water and don't mind a daily dose of cleaning (usually a half hour or less a day, sometimes WAY MORE the first week or two)..... then a pool might be just the fix for backyard beauty,relaxation, exercise and entertainment.