There is a lot of "daily fee" parking at the BNSF station, $2/day. More expensive than a permit, but a good option, although here is a strong chance that the permits will go up to the same rate as daily
Board to vote Metra parking fee :: Naperville Sun :: News
Bicycle is an excellent option, and the number of days that it is flat out not possible is surprisingly small.
The Pace bus service is pretty useful to get you within walking distance of probably 70% of the residential areas on Naperville in 30 minutes or less -- combined with the super fast express service this makes for a very decent total commute. Also the advantage of having thousands of people all get off the train at once is that there are pretty good odds someone from your neighborhood can car pool to the station and/or be counted on when weather is just too rough for the walk/bike ride.
$450K is going to go one heck of a lot father in Naperville than Wilmette, even Glenview has seen plenty of homes get bought for "land value" at that price point -- while Naperville has seen some teardown activity too, the percentage of the housing that would make sense to teardown at over $300K is quite small by comparison.
I also know for a fact (because I showed one option to the kids of a former client this weekend) that you could get a nice house under $500K that needs just a little TLC in a town like Park Ridge that has $1/daily parking, a very short commute, and whole bunch of other pluses.
There are options in towns like LaGrange and Western Springs too, as well as Downers Grove, Wheaton, and Glen Ellyn too. With the speculators essentially shut down by the credit tightening you can find "handyman specials" that are going to be nice places
for the traditional "new family" or spend just a bit more and be move in ready.
Nobody is going to say that New Trier high school is not "very excellent" for those in the area it serves, but neither do I think that anyone would say anything but good things about the areas I cited above and your $450K is going to put you much closer to the sweet spot of the inventory available. LOTS of nice stuff in some of those towns!