Hi Susan. I am Judy downes, a Mortgage Banker who lives in Evergreen. Both are good roads, depending on traffic. You can cut accross from Rte. 73 from Conifer or Parmelee Gulch or Turkey Creek to I-70 if traffic is bad on 285 or 70, or come up 73 from Morrison. All roads are good. In that 70 is steep in some parts, in the winter, I sometimes take the canyon, meaning up from Morrison, but, even my sports car had little trouble in the winter.
As for places where you might live, Evergreen is big and lots of places could work, though if you are concerned about roads, there are certain places you may wish to avoid, like the area above the Clear Creek High school, off 70 in western Evergreen.
If you are looking for lending, I'd be happy to help you and can be reached at email@example.com, but whatever, Evergreen is a nice place.