I will stay on the record to remain patient…BUT, if you HAD to buy, and with your parameters in mind, I would definitely go gated. Most of the time gated areas are a BS facade to make people feel special, but with the transient nature of neighbors in the area (thus can’t rely on them keeping track of your pad) I would go gated for piece of mind. Which limits your options. Center on Bear Creek in Murrieta, and Redhawk in Temecula.
Stay away from Wolf Creek, as the economy gets worse, and you are away from your home, for months at time, go up for the weekend and find…a desperate, homeless, gambler who lost everything squatting in your home. That will be a news story at some point.