Alrighty, well, Snug Harbor is on Gulf Beach Highway, which is directly out the back gate of NAS. It's less than 10 mins from Snug to the 86 lot. Snug is just about equidistant between the Perdido beaches and NAS. There's a couple of restaurants on Perdido itself (five or so), but most are either in Orange Beach, AL or downtown Pensacola (20 mins away for both). FloraBama's about a 15-20 min drive from Snug. There's a Walmart, Winn Dixie, Target, and Publix within 10mins of Snug. I have no personal experience with Snug, but my friends that lived there liked it. Not sure if this will be a downside in your book, but it'll be mostly flight students living there.
I think the townhouses you're thinking about are the Innerarity Point townhomes, which are about 15-20mins from base, out on Innerarity Point, about 20mins from base, on the mainland side of the Perdido Key Bridge. A couple of different real estate companies handle them, so google's your friend. They're raised townhomes, 2-3 bedroooms, 2 baths (IIRC) with the living room kitchen on the second floor, and bedrooms/office on the third. There's a tiny beach at the townhomes, but it's nothing special since you're in the bay, and I don't think anyone swims there. My friends that lived there liked the place, but it's definitely further out of the way then Snug.
Out on Perdido Key itself, there's plenty of places to rent, mostly condos, but a couple of houses and townhomes. I had a 3 bedroom unfurnished condo on the beach when I was there, it was $1800 a month. The condo complexes are pretty nice, but they're mostly vacationers, and it's pretty dead in the winter out on the key. If you're living on the key, it's 5-10mins to the FloraBama/Orange Beach, 15-20mins to 86 and 30-40mins to downtown, depending on traffic. There's a couple of local bars out there, but you definitely won't be in the thick of the party scene unless you go to Orange Beach/P'cola beach, or downtown. Perdido is pretty laid back in general, which is why I liked it. If you want a more active beach scene, P'Cola beach is the way to go.
For the drive from P'cola beach to 86, it is pretty much a crapshoot depending on the bridge traffic on the 3 mile bridge from Gulf Breeze to P'Cola. I'd say at least 30mins. I've heard good things about living on P'cola Beach, but it's obviously also dead out there in the winter.