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Since you lived in Madison, WI, you basically know what winter will be like, so I won't talk about that.
IMHO, Saratoga is the best place to be in terms of night life. I consider Albany to be the younger people scene (e.g., undergrads from UAlbany) with Saratoga having more of a late 20s - early 30s feel, but I know people who disagree. However, I did not move to Saratoga because the commute to Niskayuna would not have been worth it for me.
Niskayuna is almost entirely residential. There are not even many stores, restaurants, etc. It's a great place for raising families, but you will have to drive elsewhere to find something to do.
I decided to live in Clifton Park, which is still very suburban. However, it is on the Northway, so getting to Saratoga Springs or Albany is quite easy. As others have mentioned, if you choose to live north of the river, then the Rexford bridge may be a problem. It is a parking lot from about 7:30am - 8:15am and 4pm - 5:30pm, but generally clear otherwise (unless there is an accident or snowy/icy conditions). You will probably have some flexibility in your hours, so arriving at 9am and leaving at 6-6:30pm would make the commute much more tolerable. My commute is generally a bit less than 20 minutes, but can be an hour if there are backups at the bridge.
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