I've had a lot of problems with my installation. IG vinyl was just installed. The fiberglass pool would have cost about 30% more. Although it seems to be a better choice, we couldn't justify the difference. So, if I had it to do again, I would choose another builder and go for the IG vinyl. On the otherhand, its been very stressful around here due to the problems.
Ultimately, we all have to make our own choices, and then we have to live with the choices we make. An inground pool is a major decision. We too, are paying cash. If we had to borrow money, we would not have considered building a pool. Even yet, we struggled with spending so much money.
We consider the pool a luxury, since we don't need it for physical therapy. However, we believe we will get more satisfaction from the pool (if and when we get all the problems fixed) than a luxury car or vacation. (The car could have problems, too.) We have 4 grandkids and they love the pool. Moreover, we would rather be with the grandkids than travel or vacation. (we visited Europe a few years ago.)
Just think about what you want- don't make a hasty choice, and continue to talk to pool owners. Good luck with whatever choice you make.