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Assuming you're referring to the area of Black Mountain Road near Mercy Road, I can only talk about the area since I don't live there (I live at the condos at I-15 and SR-56). The worst thing I can think of about in the Monte Rio area is the heavy traffic on Black Mountain Road during rush hour. And I doubt that lasts very long. It used to be quite heavy on Sundays also, but then the Maranatha Chapel moved away from there.
Penasquitos does have gangs, but so far the worst I've heard of them doing is vandalizing vehicles.
Monte Rio is quite near Canyonland Park, which is a nice, big park with a rec building. And it's directly across from the west entrance of Penasquitos Canyon which has loads of trails to explore, and also has some of the oldest rocks in San Diego county (if you're into geology). North on Black Mountain Road a mile or so is a large shopping area with Vons, two drug stores, a hardware store, the post office, and several smaller stores.
I don't know whether the schools are in Poway school district (a very good school district) but in any case I haven't heard anything wrong with the schools in Penasquitos.
Here's a caveat: you said no kids. Penasquitos is a bedroom community. There's no night life here. If that will drive you crazy from boredom, then be careful about that.
And a minor thing ... 92131 is a Scripps Ranch zip code. Penasquitos is 92129.
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