We really enjoyed our pool when we had one. It also helps make your home the destination location for the kids & friends. Then you get to keep an eye on them. It is your pool and not the Ys.
From my tag, I am a KC guy, so pools were only May-September with a heater. I would guess $500/Month (midwest utility prices) for 45,000 gallons if you keep it warm, 84F. My family would say, “can’t have cold water in the pool”. While we are on realestate hold here, on the wish list is pool/spa, creative landscaping, some sort of view and as high efficiency heating as you can get. Or expect a very cheap heater and plan to upgrade to solar, etc.