I grew up in Lower Kingswood; Sutton was where we went if we had a particular desire to go to crappy shops or get stabbed outside the cinema.
I lived in Croydon (first house) until recently, very good transport, nice enough area (as long as you choose well), but got very sick of having to explain to everyone that I lived in ‘the nice bit’ when they pulled the face that they pull when you tell them you live in Croydon.
Sutton is reasonable, Banstead/Epsom much nicer, but more expensive obviously.
What about Redhill? Trains are OK, and you can get straight on to the downs.
Dave