Indiana-Kentucky matters to some folks more than others -- and most of those folks grew up in a culturally-backwards-but-charming stretch of Indiana between Bloomington and the Ohio River.
Bedford, Indiana isn't a place with much.
A population of 13,000-some drops you directly in some sort of amenities abyss -- you're just large enough to attract all the major low-end fast food chains and a big-box store or two but just small enough for those chain establishments kill off the small sole-proprietor, mom-and-pop shops and diners that construct the quintessential imagery brought forth when small-town Indiana comes to mind.