"But just glad to not be upsidedown on mortgage like so many people are right now..."

Amen to that! My wife and I stuck in our little 3/2 home while friends I know upsized into huge homes. Then the housing market collapsed, people went bankrupt or they're upside down on their mortgages. One friend I have lives in his $500K home that's now worth about $260K (he's probably $150K upside-down). We suffered through lots of Florida summers without a pool, but now we've got one and I don't have to worry about next month's mortgage payment.

Sometimes less is more.