I'm assuming you have moved by now but your question showed up in my advice section. I, too, am from Suffolk County and I relocated to Middletown Township last Spring. I love it here. The taxes and schools are very good. The neighbors are great. I'm still getting used to the whole jughandle thing ;-)
The wrong side of the tracks would be Port Monmouth, Keansburg, and Highlands, I think Navesink is the nicest area - it's a lot like Dix Hills.