Finished Pool or Concrete?

Dave and I have a decision to make. After having a number of pool people, electricians, plumbers and concrete people come to our house to look at the backyard we have discovered a number of things.:
1. All concur that the completed work that was done on our backyard/pool is very well done
2. Most concur that the work that was in progress (that the concrete guy had started) was shotty
3. That it will take A LOT more money that we thought to complete the project

So, we have a decision. With the money that we currently have saved we could.
A. Finish the pool, but not have ANY concrete. This means we would get out of the pool and hit the dirt
B. Finish the plumbing and electrical of the pool, but not the Pebbletec, and then start some of the concrete and wait until we save the rest of the money to complete the pool and backyard.

I'm all for Plan A. My thinking: At least we have a finished pool! We can use it if we want, and we can feel like SOMETHING is getting accomplished.

However, Dave has made a very good point. What about the dirt going into the pool. How will it affect the filters, etc...

So, this is what we are deciding at the current time. Any thoughts?