You are not getting all costs. I budget $5000 a year so far have never exceeded that amount. I use a pool service. I have solar and gas heater. That covers everything including water, electric, gas, pool service, solar panel replacement, pool motor, the occasional lighting taking out the control board, the lanai resurface every 5 or 6 years, the screen replacements, and any other cost. About every 12 years you need to replace the tile grout and get a refurbish of the inside sides and bottom what ever material was used. I have that coming up in a few more years and hopefully have enough residual in the 5K annual to cover that. It will be close.
But after 10 years I still believe my 5K covers everything and it is still worth it.
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Life is to short to drink cheap wine.
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