Doug, I think it really depends on your financial priorities.
I have a vinyl lined pool that I bought te cheapest possible way -- by buying a foreclosure back when the market was down
Before I started looking for a new house, I looked at building a pool at our existing house. In that particular house and location, I could not rationalize the expense of shortcrete. First, the house had steep stairs, so it was not going to be my "death house." Secondly, the resale value would not have supported that particular scope of investment.
In my current "death home" which is completely age-in-place in features and recently appraised for twice what I bought it for, I could indeed rationalize shortcrete. In my case, I would still not do it.
That's because I get just as much personal enjoyment from my vinyl pool. The liner needed replacement at age 15, as did the heater. If I felt like throwing more money at the pool this year, I'd likely rip out the boring concrete and install flagstone or Kentucky blue, or put a bathroom in the pool house. Or save the money n the event I ever need to do work on the polymer walls or plumbing

At the same time, while I sound frugal in these things, I don't mind a bit the expense of a winter dome and heating bills to run it in winter. After 10 years or so of this shenanigans, I might have spen as much as that shortcrete would have cost me in my market.
You can free form, to a degree, with vinyl. If you have a creative PB, you can also add water features and nice cantilevered surround surface. With the cost differential in my market, you could also get a nice outdoor kitchen, fireplace, furniture, landscape, hot tub, automation and more with the difference in price.
From this vantage, vinyl is just fine IMHO
