Jack -
As a matter of background, we lived in the Baltimore, MD area - read summers of temps in the 90s and humdity also in the 90s. We have been in Crossville for a few summer months at a time and have not found it objectionable. Crossville is on top of the Cumberland Plateau and so is above 1500ft. Our temps tend to be about 5 degrees cooler than the towns and cities 'off the plateau' and we have found the humidity to not be a problem.
As to bugs and other insects, again they are not a major anoyance. The altitude may have some aleviating influence. I know that when I'm outdoors walking the golf courses - of which Crossville has quite a few - I am not bothered or bitten very often.
The Gardens RV Village has a homeowners association and all property owners become members automatically upon purchase of a lot. The association owns and maintains some common ground in the Village. The association also makes arrangements for lawn maintenance, leaf pickup, gutter cleaning and house washing. Members pay a fee to maintain the common grounds - including liability insurance - and can choose to take advantage of the lawn maintenance, etc. or can do it themselves. The homeowners take care to make the community very attractive.
An advantage that we find in living in the RV community is that almost all of the members are or have been RVers. Being familiar with the lifestyle, we tend to look out for one another and are aware of folks being in and around the community. There is one road in and out, the layout is not huge and the homeonwers socials help one get to know the neighbors.
Having come from the Baltimore area, we find that the cost of living in Crossville is much less expensive. Our cost of owning property is much lower even considering the homeowners dues - which we did not have in Baltimore. In MD we had significant taxes - income tax, sales tax and property tax - state and county. The TN sales taxes is higher than MD, property taxes tend to be less and the TN income tax is only applicable to certain types of income - mainly income from 'Wall Street' type investments - and there is a floor that must be exceeded for that tax to apply.
As has been mentioned in other messages, no location is perfect and the choice is a matter of compromise. For instance, when we were investigating the area, I noted that there is an airport about two miles from the community. It's a small regional airport with no scheduled commercial flights. So we have some small private planes and one corporate jet in the area periodically. Of course there was the one time last summer when a military jet was practicing landings on and takeoffs from a short runway <VBG>.
Hope these ideas are helpful.
-- RayB --