I live in a frame, vinyl sided house and have been very satisfied. I do understand that the CBS homes may be a little cooler inside and do offer better hurricane/tornado protection. They are also a little more expensive and will require painting every few years. On the other hand, vinyl sides homes had some major problems with poor initial installation at one time - I think the contractors have now got that corrected.
Bottom line, it's your home - do what makes you comfortable. I don't think vinyl/CBS should be a make/break issue if other factors, more important to you, are in the equation.
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