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I had to delay my trip to Costa Rica for a couple of weeks ... now in may 2012
As far as I know , and as you said , there are areas with plent of expat ( american and others) but I will avoid these areas like Tamarindo for the same resaons you have highlited .
I will hunt for housing in the south of Nicoya peninsula ( motezuma , samara .. ) .
If all goes as planned it will be sometime between the last hurricane and the first snowfall, so hopefully around October. I can feel the sand in my toes and and the cold Corona in hand, breeze up, hats on... till the end of days..
"Successful trading is one long journey, not a destination" Peter Borish Former Head of Research for Paul Tudor Jones speaking on conversations with John F. Carter