Another one with ties to the Rochester area. DW and I are U of R grads. I spent a year after college working in Rochester -- downtown for a few weeks, then at Xerox in Webster, until the department shifted to an office in East Rochester. I was still getting confused about 390, 490, 590 (roads).
Sis and BIL live in Fairport. Nice town, cheap housing, cheap electric rates. We'll be there again at Christmas time.
Oh, and if you'd like to gamble with that money, then recognize that's what you're doing. Downside risk is probably more than the potential gain, IMO.