Fencing is often required - but think about landscaping (shrubs, trees, etc.) as a means of providing privacy and intimacy for your pool.
For vacation or seasonal homes, you may need to hire a pool company to maintain your pool while you are away. Snowbirds who flee the Florida heat for Northern climes every summer have to pay pool companies to keep up their pool while they are gone. This ain't cheap!
Good question. By "debt" I presume you mean credit card debt, car loans, student loans, and other consumer debt, as opposed to your primary mortgage.
If you are in debt this way, chances are, you will have to take on more debt to finance the pool, and the pool companies will helpfully put you in touch with a "finance company" that will offer you a loan on very, very onerous terms, as a secured second mortgage on your house.
This is probably a bad idea. Why? Because you are throwing gasoline on the fire of debt, decreasing your net worth, and probably decreasing your savings rate, all for something you don't need and which will add no value to your house.
Again, debt is evil, as it is "funny money" that you don't think about - in terms of the cost of paying it back. So you think, "Gee, let's get the water fall and built-in hot tub, because it's only $200 more a month!" instead of saying, "Shit, they want $10,000 more for those features? No way!"
We found that while a large pool is nice, a smaller pool works just as well, if not better, and costs a lot less.
We also found that after about five years, we lost a lot of interest in our pool, and this seems typical from what we have observed. Most of the time, you sit looking at a pool and not swimming in it.
My advice would be to get out of debt first, save up for a pool, and buy one that is modest in size and make it part of the landscaping of your home.
Or, just not get one at all. In our new home, we toyed with the idea of having a pool, for several years. We finally realized that it would not get used much, cost a lot of money, and create a monthly financial drain, in terms of utility and maintenance costs.
So, it was fun to have one. But I don't need or want another one, just yet.