This place is directly on the river but has no problem with insects. It has no Air Conditioner, but it is cool, with a really good passive design. It is easy to reach most features in Whanganui. The cats that own the place are relatively aloof, but the owner is friendly. If you are sensitive to traffic going by, you might be affected by that, but I found it comfortable and quiet.
Overall, an excellent base from which to explore Whanganui. Highly recommended.