Well, Lake of the Ozarks, you are better off in a pool IMHO. nice views, but WAY too many people in boats way too big to be on a lake...
I live near Jefferson City and prefer to go to Pomme de Terre or Table Rock lake over Lake of the Ozarks. Personal preference for sure.
Back on subject, I don't have experience with in ground pools, but cost to maintain my 2 Intex pools that I have had up until now, the Salt pool was more expensive up front, but cheaper and easier to maintain year over year. But testing is key either way. Vaughn pools in Jefferson City will test your water for free, not sure if there is anywhere at the lake that will.