My wife and I did ASA courses similar similar to Marty (we did 101 in Minnesota
too). We took the 101 course and then joined a sail club for a year. After that we did a live aboard course for a week to complete 103/104. Those two combine quite well since 104 has less sailing and more boat systems and it's not too much to combine. 101 / 103 at the same time can work if you already know how to sail and have some experience and hopefully not many bad habits. There is even all three taught as a live aboard course over week. Unless you have some prior experience all these combined courses are more a matter of paying your money
and starting all over after the course.
Having time to practice really does matter a whole lot. You can't become proficient in all this material in a week. All training is only just the beginning and it does lay a solid foundation but time on the water
is mandatory to be able to take off for more than a day sail. Regular practice over a period of weeks makes it sink in and feel comfortable.
It won't be fun until it's comfortable and familiar.
Mid July to August mostly sucks. Early June or September is clearly superior with September being my favorite time. The kids
are back in school
and the weekend power boaters are slowing down. The wind
is better and the anchorages
not too humid to sleep in.