I work in Rockville, MD (but live in VA) and would be happy to answer any questions you may have. MD has a high cost of living, being in the DC metro area. Lots of traffic. There are areas to mountain bike but maybe not as accessible as some of the other options. It certainly is a good location for those who like culture, museums, good schools, city life nearby. If I were an empty nester in my 50’s I might consider a warmer climate where I could retire without relocating.