Responding to my own post in lieu of other responses. It's probable we will need to pay of the bank loan before leaving.
It pains me a little because it leaves us with limited
emergency funds. But as my wife says we can always stop somewhere and
work if we need to. That's the spirit!. Gotta love her.
On the other hand, having less
money on hand means we will probably spend less on stuff that will not make the boat any safer or the trip much more fun.