Damn...how big are your guys' pools? Our water bill is in the $175 range in the summer with a pool, ~1500 sq ft of grass plus a bunch of trees/shrubs that get water every week.
$109 also seems pretty high for pool maintenance to not include the chemicals. We pay $79/month all inclusive. Have you tried shopping around? I know a guy that does it for $75 any pool size, including chemicals.
Lastly...sometimes it does feel too hot to be out by the pool...but guess it depends on the atmosphere. We will usually have friends over, turn up the music, have some drinks and it sort of feels like one of those Vegas pools.

Or we use it at night...like last night, we were in the pool from like 8pm till about midnight.