I'll tell you what I tell every prospective A/G buyer: The hidden cost that will HORRIFY you is getting a level, solid surface for the pool, that drains well. You MUST calculate how much leveling you need to do and determine if you are going to dig down or build up.
You can spend hundreds or THOUSANDS on proper site preparation. But if you don't do it, an expensive pool will either fail or have a reduced life. If you do it properly, even an inexpensive pool can give you many, many years of fun.
There are a few things to think about in pump/filter combos. First, to make the sale, lots of salesmen say "Hey, I'll upgrade from a 1.5hp pump to a 2 (or 2.5) hp pump!" This is no benefit. Horsepower appeals to our macho sensibilities, but is of limited benefit--and added electrical cost.
You should be thinking in terms of a 1/2 to 1hp pump, no bigger for those pools. You need your filter, though, to be bigger in capacity than your pump. Too big a filter is no problem, too big a pump is.
What kind of filter? Well, we debate that round and round here. Most dealers push cartridge filters. That's because they are the easiest to plumb in and set up, and when new they go a VERY long time without maintenance....but that maintenance is messy. I also suspect they get the biggest margins on carts but I can't prove that. Don't be dissuaded from sand or DE (Diotomaceous Earth) just by the dealer. All three types can do a beautiful job on your pool, but you need the right size and you need to maintain them correctly.
The filter's capacity MUST be greater than the output from the pump.
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