You like the idea of ferries, but are discounting Park Island because you need to catch a bus to the MTR? Am I missing something?
You definitely need to be on the ground here and look around for yourself - Real Life is totally different from what you read on the interwebs.
And don't discount places on the basis that they are not on the MTR: I don't know where you're living now, but Hong Kong's bus services are better than the metro systems just about anywhere. From my place near Tuen Mun, it is quicker for me to catch a bus into Central than it would be to catch the MTR from Yuen Long, just as one instance.