Dsanduril pretty much nailed it.
DWMCA you say, "My start is making enough money." I would like to know what you perceive to be a necessary budget
for your ARC circumnavigation and what portion of that budget
is the price
of the vessel?
The reason I ask is, perhaps you can already afford a boat for the world voyage that requires bringing the deferred maintenance
up to scratch.
Many people who have sailed around the world especially from the. West coast
, have found their voyage longer than their financial resources allowed. As these folks see their funds dwindling, their passages become longer and port calls shorter. To some extent this is simple geography and tradewind routes. Their boats often suffer for these long passages but they are most often well equipped.
We're I in your shoes, I would consider looking for a veteran cruiser that will fit your family and an occasional visitor and take the time to research
and do them yourself or with someone willing to think out loud beside you.
Expand your boat search from Panama
and consider finding a seasoned sailor to help you bring her to the Bay Area or truck her.
Voyaging in large groups has its upsides for a newbie sailor. To my mind, organized cruising is an oxymoron.
Good luck in your endeavor.