I'll answer what I can:
1.There are several rental communities with lots of tiny cabins. More than you would find in most towns. That means you'll see numerous listings for rentals. But there is no lack of full-time residents and regular homes. Anything on the water is going to be very expensive.
3.The closest is just over the mountain: Young Harris -
www.yhc.edu
4. No more insects than anywhere else. A bottle of Off takes care of that.
5. You'd be a considerable distance to specialized medical care (about 2 hours to Atlanta)
Plenty of stores like WalMart & HomeDepot, but if you're looking for a nice suit, you may have to do some driving.