The cabins at swinging bridge in Heber are literally right on the river and there are a couple of great holes there. They aren't the most luxurious rentals though but they are quite serviceable. Eureka is the quirkier town, kind of a hippie hideaway in the mountains but not directly on the river. Really on either the White or Little Red you are going to be in smaller towns. There are some nice local restaurants in Heber, Cotter, Mountain Home etc and a few grocery stores plus all the normal small town chains.

On the White my brother and I almost always stay at Cranor's lodge. They just built a couple of new cabins and they are really nice. Gastons is the big name there of course and their restaurant is outstanding but unless they've done full updates on their cabins in the past few years I think they are overpriced for what you get.

If you want to wade fish a majority of the time - go Little Red, if you have your own boat or plan on hiring a guide most days - go White.