Really appreciate everyone's input! Kids have been to England 7 times to visit the family, and are very worldly compared with most Americans, but are used to the comforts of America and currently homeschooled by Mum who is a teacher. Expect they'll have flown the coop by the time we retire onboard and they may visit from time to time.
Tony / David I like the idea of hiring a boat for the winter-time as I've only ever boated in the Summer and obviously that is very different experience and would use different power source.
Booke23 - when you mention brokers, where do I find them?