Welcome to Connecticut!
Old Lyme is coastal. Essex and Lyme are on the Connecticut River. All three are lovely towns. Real people do live in the towns. Lyme and Old Lyme share a school system, and have good schools overall. Essex shares their school system with nearby Deep River and Chester, and it is also very good. Deep River and Chester are also on the Connecticut River.
Some consider Essex the quintessential "New England" town. The young kids will love the Essex steam train, and Old Lyme has a nice arts scene for such a small town.
Yes, there are summer residents in all of those towns, but there are year-round residents. There are a good amount of older people in the town as year-round residents, but the quality of the schools does draw plenty of young families to the towns as well. Nearby East Lyme has a bigger school system that offers more choices (a pool and a good swim team, as well as a football team) and very good quality overall, but there is definitely a higher percentage of blue collar residents in East Lyme compared to Old Lyme, Lyme and Essex.
There is definitely wealth in the towns, but it's not "in your face" flaunting wealth. You won't see Ferrari's roaring up Boston Post Rd or tearing up Rte 156. That's not to say you won't run into snobbish people in any of the towns, but I also don't see people going out of their way to rub their wealth in your face, either.
The advantage Essex and Chester have is that they are on the West side of the river. If you do need to get to New Haven, or go up Route 9 into Hartford, you won't have to go over the bridge, which can really get backed up if there are accidents.
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