So, I traded a rifle scope for a hot tub with a buddy that didn't want his when he bought a house. 4yrs in and it's been great. It's a older 2006 Sundance. I've had to do some minor repair on it. Not bad at all. We use it a lot for beating the heat in the summer time. It's great for the winter months too. We decided on a pool after catching the kids doing cannonballs into it one summer afternoon.
With that being said, I've seen and been in some really awesome small pools in small backyards that we're heated for a small cost.
But honestly, I would never have spent the money on a pool if we didn't live in the south. Our summers can hit 117degs. and our season is pretty long. With your location, a hot tub may be your better bet. I guess you could try it and if it doesn't pan out, you can sell it and do a pool. I've been told the hot tub market is a year behind. So, resale might be good for ya, if you can find one.