I've built gads of ingrounds.
Wouldn't own one on a bet.
The co$t, the cleaning, the maintenance, the repair, the chemicals............
You may be a little better off where you are. The hardest thing on an inground is the freeze/thaw cycle. It's especially hard on the plumbing. I would look into a structural foam wall panel pool with a liner. You could do almost all of the work yourself. Liners can snag and leak. But they are not hard to fix or replace. Concrete pools will need drained and painted periodically. So they are not fool proof either.