Thanks for your responses and suggestions. I hope there are many more to come.
SB- walking is another criteria I should have noted, which limits hot weather locations considerably. I am finding it much easier when playing in Dallas and Houston during the summer to hop on a cart. Many of my former walking golf buddies have become so accustomed to riding that they won't walk any more, even on cool days. Lake Oconee is on my list, though the real estate within the resort is too pricey and more than I want or need, the resort courses are not what I prefer, and the summers a bit too hot.
RJ- other than having to maintain two homes which I probably don't want to do (I've been known to sweat details and worry beyond reasonable), your suggestion is probably one that I'll try. I guess it would be possible to own at a winter place and rent for a few months elsewhere during the hot seasons.
MY- I was impressed with Athens, and your home club. Costa Rica will be included in my search as well, though I like living in the U.S. better.
JC and MG- FL seems too hot and crowded. Also, from a gca and walking standpoint, not very compelling. I do need to look at the center of the state and the pan handle a bit more carefully.
shivas- DFW is way too hot for my tastes. Also, cart golf is the rule here and either you gamble for a bunch of money or just for pennies (no $2 to $5 Nassaus, buck skins, etc.; plenty of $50/$30 Wolf, $5+ carry-over skins, and limitless side bets).
BH- you, sir, are a bad man. Carmel is at the top of my wish list and near the bottom of my can-do. However, if you can get me into a little club that I am so fond of, perhaps I can scrape things together.
redanman- I've spent a bit of time in Marbella, and like Spain as a place to visit. RTJ's work is not generally my cup of tea, and living in Spain is somewhat of a hassle.
Mr. Crockett, do you live between Wilmington and Charleston?