Don't worry, be happy.
No problems with doctors. You can't spit without hitting one looking for new patients. Cart insurance is optional. Most medical places assume you are on Medicare as I found out since I am not. It is my understanding that not all of the amount you mentioned would be the responsibility of the homeowners. In any case divide the full amount by the number of homes here and then amortize that over 20 years or do and you will find that in worse case it will not break the bank.
I haven to work full time to live here and I think it is worth it.
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