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You should always check your user's manual for the weight capacity of your pool enclosure. In most cases, it is not safe for someone to walk on their enclosure. Professional pool installers will have more experience in repairing enclosure roofs and how to scale them without risking injury.

There are many factors to consider when building an in-ground concrete pool. This includes the pool’s primary purpose (relaxation or exercise) if you live in a warm or cold climate (how often it’ll be used), and if you have the budget for chemical treatments and pool maintenance. In-ground pools are often more costly than aboveground pools, but they’re considered more luxurious and hold more value.

A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

Depending on your budget, wants, and needs, a pool enclosure can be a worthwhile investment. It all comes down to how much you use your pool, and what it would mean to you to have year-round access to it.

If you know that you'll swim in your pool a lot, then having an enclosure means you don't have to worry about the weather. It's also a lot easier to maintain the water, because you don't have to deal with leaves falling into the pool, and the water's chemical levels tend to be more stable.