I had a wonderful time here and met locals who were there for holidays as well. So the nights were fun and the hosts take care of your well-being (food, drinks, any other requests...). Rooms, bathrooms and food were awesome and hiring a motorbike or bike was possible, too. When exploring the Ninh Binh area you don't need to stay in a central place like Tam Coc. It's just more busy all the time. The attractions are all scattered around the area so it doesn't matter if you live "central" or not, you have to travel to some destinations anyway. It's all reachable by motorbike and mostly by bike, too. If you only go by bike, you have to bring some time and fitness for all the riding. That is true for any other central place, too. The Bai Dinh Pagoda is 5 mins away and is beautiful. You can easily spend a day there because it is as big as a city!