Any kids climbing up and falling in. I really don't want to fence, but will if if needed. I heard there are gates for ladders, so I might look into something like that. I'm pretty sure our youngest will stay off the ladder, but I'm a mom and I worry.
Good to know about the liners. I feel a bit better about tears. I'm so anxious to do the right thing for maintenance, etc. We (like everyone else here) invested a lot of money into this pool and want it to last!

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Another thing, what is the best material to put around the pool on the outside? Husband was thinking decorate rock surrounding the pool, but my worry is one getting under the edge and then liner. Grass would require weeding/trimming. I thought of a beauty bark kind of material with natural plants (ferns) as we are in a wooded area.