My town's not that bad actually. The buildings are all close to each other, and the bridges are very well placed. I have a ton of damn trees though, and no axe. I regret picking the ocean house though. It sucks having to go out of your way just to see a new piece of furniture.
I've already paid off the initial debt, and I'll be getting my upgrade tomorrow. The museum is full of fish, and there's a few bugs. I got my shoes shined, and did a few errands.
The only problem I have with the game, besides the controls, is that you can't just ask for errands. I don't want to have to spend 30 minutes trying to find a job to do.