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I agree with all that honeychrome said about the Unadilla area. Beautiful, quiet, but the floods last year did do some serious damage to everything within close proximity to the rivers. I would certainly have a home inspector carefully look at any house you may want to buy.
Oneonta is where the big box stores are, the Home Depots, BJs, and all of that kind of stuff. Sydney is nearby and also has a Great American grocery store and a fairly new huge Price Chopper, a couple liquor stores, a McDonalds, Burger King...but is by no means a huge shopping mecca, but it does have all of the basics you need without hoofing it into Oneonta all of the time.
I am less familiar with Cobleskill other than driving through it for gas or a bite to eat. A bit more developed (but not heavily by any means) and has grocery stores, fast food, some shopping plazas, etc. Being that both locations are right on 88, there is easy access to both.
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