I lived in CDA for one year and found it is a nice place, better then most, but not where I prefer to live. The biggest down side is that Spokane and its 500,000 residents are only twenty miles away....and 25% of them spend their weekends in CDA. Spokane/CDA is the third largest metropolitan area in the Pacific Northwest, right behind Seattle and Portland, so expect to see people wherever you go. Get out of town and into the mountains to the north, it is both rugged and beautiful with lots of logging roads for access. The fly-fishing sucks, at least compared to Montana. The summers get a little over 100 degrees a few days, but temperature wise they are not bad, definitely cooler then SW Colorado. Most of CDA lake fish have toxic levels of metal so they are not edible. The lake is fun to play on if you like speedboats, water skiing, and jet skis, just bring your wet suit.
I have not been to Pagosa Springs, so I can’t comment on it.