Thanks to all for your input and info.
We were hoping to go ahead and buy a boat
and keep it in Florida
to provide easy access for sailing for the next few years while we continue to work
full time; then retire and take off with the boat
to which we would already have grown accustomed.
BUT, it sounds like the high cost of dockage in Florida
and with the cost of insurance
, we're probably wiser to just keep saving our "shekels," charter
when we can, and wait til we're "ready to go" to buy our boat.