I grew up on the Woy Woy/Umina peninsula. The heights are beautiful but very hilly, though some properties have zpectacular views. The low lying parts of Umina are my favourite, however, due to proximity to beach and main shopping district. All very nice areas. Also grat for walking, as the areas closer to umina CBD are all flat, which means a nice healthy stroll To all the conveniences, without a long walk up some very steep hills and this would also save fuel and be good for your health. It all comes down to personal preference but if you prefer to spend your mornings walking along one of the most gorgeous beaches in NSW without having to drive there first, I would reccomend the areas around the Umina CBD. Beautiful coastal town.