Sam can speak more on this than me. But you can minimize cracking concrete with the proper prep work and application. You need to have the proper thickness(usually 4-5"), Proper mix(not usually an issue), by making sure the ground is compacted to prevent sinking, proper grading to prevent water freezing below the slab and erosion from rain, by utilizing mesh wire within the slab, by utilizing proper control/expansion joints. All of which can be done by hiring a professional. I would say the cheapest method is a deck, then concrete, and finally a stone/paver patio. Although you can save on the concrete and bring it back closer to a deck price by doing the work yourself. Keep in mind some specialty equipment will need to be rented with almost all of these option if you choose to do any of these projects yourself. I am available to assist with any if you need it. I have experience with all of them but not an expert. There is a guy on here who does stnework for a living, and I think eric(24/7) and maybe sam do as well. And of course you ave sam for all the concrete needs. Sounds like you need to pick what you think looks best. Most people go with what they can afford but it doesnt sound like that will be your determining factor. Also in todays uncertain market, do upgrades in which you will see a return on your investment. Thats what homes are essentially. You would never see a huge return on a $20k patio as much as a $1500 deck. Concrete is the least maintenance unless you use a composite decking in which I would say is comparable to concrete. A stone one would require some mainyenance overtime. I have seen even the best layed ones have weeds shift pavers and lose sand compaction due to rain.