You're right Simon, I wouldnt suggest buying straight off the bat for everyone.
We decided to buy mainly because house prices in Tracy are going up so quickly.
We're going for the 15 year FHA load as this keeps the PMI costs down.
We have spent a lot of time in Tracy and are very particular about where we want to live, Mountain House is on the list of prefered areas.
Of course we will need lots of garaging, so it wont be an easy find.
Luckly we can stay with our close friends till we find something.