Mears is the most expensive in on backcreek.
Eryka, how can you say "fiscally responsible"? You live on a boat!
On the "heavenly" but not so "fiscally responsible" side of backcreek there is
EYC and HornPoint as well as Mears. If you are into swimming pools and tennis courts.... well look somewhere else. The "eeeevvilll" side of backcreek is less expensive and you get more benefits, but you have to dink over to the get to walking distance of eastport and annapolis.
The bigger problems is finding a slip for the size of boat you have. I had very few options at the time and ended up at EYC (i was only looking on the eastport side of backcreek). I think i have the best slip around since it stick out at the end of the S pier and can sit on the bow and watch all the boats come and go at happy hour.
Here at EYC there are about 5 boat with liveaboards; three of those or sociable as we have happy hour and/or dinner together periodically. For the boat show, Eryka hosted a gathering on the other side.
I don't know much about spa creek. I imagine it is costly.