I'd highly doubt you'll need to build. I have dozens of clients in the Warsaw, Clinton, and Deepwater areas. There are so many "lake homes" up for sale due to the economy it is a buyer's market right now. I know I wish we were ready to move... I'd be a Henry county resident ASAP. Cass county taxes suck.

For convenience and access to good medical care I'd move on the west side of the lake. Clinton, west Warsaw, and/or Deepwater. Oceola/Lowry City have some good lake access too. As you get older medical care is more important. Being in those areas can give one a shorter commute to the city for "real" care. Not saying you can't get care down there, but all my clients end up in the city for the serious things.