Thanks for the info. I was worried about something like that. That's why I was looking specifically at pools that were supposedly designed for this purpose. However, the three pools I am looking at are starting (ok- way past starting) to get a lot more pricey than I expected.

Kayak 16x32 with aluminum deck buried 2' = $19400 installed
Wilkes combo pool with aluminum deck 16x32 buried 2'= $18500 installed
Doughboy 16x32 completed buried no deck = $18000 installed

all the above come with winter covers, solar covers, pumps, filters, chemicals, etc. No heaters. The doughboy has a 7' deep end. $1500 more for the deep end on the Kayak and Wilkes.

I fear I am moving closer and closer to in ground pool pricing and that's what I initially tried to avoid. I think with all the options available I may have to postpone this project a little while longer until I get more info to make an informed decision.