Whie DOS lender risk may or may not be high, being ininsured is... well, enjoy your 'asset protection'.

So I want to make it an enjoyable and comfortable experience but I dont want to spend too much

Enjoy your time there in Coos Bay.. 

I would really enjoy hearing about the process as you move through it!

I didn’t really enjoy any part of being a landlord.

Outside of real estate, I enjoy Working out, training my German shepherd, and traveling with my family.

At some point, the juice isn't worth the squeeze for us and we just want to enjoy life. 

I enjoy interacting with other investors and helping people do better, not measure the quality of questions.

I recommend you figure out what you want to do, then actually do it to see if you enjoy it, have some skills, etc.

But when it comes to choosing or creating investments that will produce a return along with personal fulfillment or enjoyment, then I say it definitely matters what you invest in and where you invest.