Well, I took the plunge and went with a 16x30 inground composite wall, vinyl lined pool. Full package including loop-loc safety cover, heater, solar cover, install, concrete, self cleaning, alarm, the whole nine yards.
I did a lot of research and it seems the vinyl liners last on average about 15 years, and with a replacement cost of about 3k it still seems like a better deal that fiberglass which was about 5k more.
I'm really excited and can't wait to get it in. I had them put it in writing that it would be complete by 15 August, the day before my annual summer bash. I'll post some pics and a review of the builder once I'm done, for those of you who are interested.