You have it right, Coit. Now Coit is a LONG road

. All the way from Dallas down by 635-LBJ then north all the way thru Richardson and Plano.
Being in that part of Plano you have a LOT of options and not just "Allen, McKinney and Frisco". Depends on what type of environment you want to live in. If you want more of a country feel then you can head east towards Lucas, Parker, Fairview where you can find acreage. Still a decent commute but not terribly long in any way. If you prefer the environment of being right on top of everything and everyone then Frisco, McKinney and Plano fit the bill w/ some parts of McKinney not being as congested as the others. Then you have Richardson, Garland, Carrollton. Carrollton is not that great (grew up there) and has been going downhill. Richardson has many nice areas and the city itself is pretty much built out. Still can have that small town feel even though it is a large city. Garland, same as Richardson. These areas tend to attract less transient people as their growth has slowed w/ build out. Price range and age of home are also going to play a part of where you would want to look. All of the school districts in this area have good and bad points w/ one not being totally superior to others when you get right down to it. The areas you mentioned are all the fastest growing areas around and adding new schools left and right and in the process upsetting many parents since their kiddo's have to change schools when new ones get built. Same w/ safety and low crime. In these areas you are going to still see the petty crimes of vandalism (tends to involve teens more than any other age group).