@Buoyhead69 Interestingly enough i have ski'd The Harborage, when growing up a family member lived there. The really nice thing is they canal ocean access, that's extremely rare to have ocean and lake access.
I chose Miromar for a number of reasons; i have family that lives down the street, the lakes are exponentially larger, and it has a full pool club and restaurant you can pull up to. Outside of that i was able to pick up a piece of land for a discount and build what i consider my dream house (to each their own).
There is almost no lake traffic at Miromar, in fact those that do ski the courses would probably hate me even mentioning it. A vast majority of people are on pontoon boats cruising or wake boarding on the south lake by the university. Rarely is there a conflict. On the weekend as soon as the sun is up there is usually a group out there, by 12 most people are done. During the week there are some that go out just before sun down every other day. Weekends being the "busiest" and weekdays almost non existent.
There are two courses, one is usually better depending on the weather.
As far as price point goes, you can be on the water cheaper at the Harborage, but you can also get into Miromar off the lake for just as much and still have access, either renting a dock from one of the two marinas, or just find a neighbor that doesn't mind or likes to ski ;) The HOA for Miromar is a tough pill to swallow at $1800 a quarter and can be as high as $3200 if you live in a neighbor that has everything included (pool, lawn, concierge, etc) HOA does include Cable/Internet and Security monitoring.
So far the people have been really awesome.
These other developments going up will have homes starting in the $400's, im not positive what it will take to be on the lake, im estimating 550 or more... but who knows. I have no idea what HOA's will be but i assume it will be a lot more palatable. All i know is there is about to be a lot of inventory in the area.