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LMFAO. My wife wants to do the same thing so I told her "don't be silly, it would make much more sense to kill me off and collect the insurance."
) Planning on using a portable genny for ac is not a good idea - they are not marine units - take up a lot of space when not in use, and present a real danger of CO poisoning. Even a 28' is small but a lot more dooable than the 24' - Have you thought about keeping the Yami and keeping the larger boat in the water? IOs are great for shallow water and have their advantages - but the OD service which has to be done EVERY year can be expensive - I have B-3s on the Cruiser and spend about $600. each year on the OD service alone. And that does not count the Zincs (mine take 6 each - about $200.). I'm sure whatever decision you make will be best for you and your family. The "hunt" is one of the fun parts of boating. Can't wait to see what you decide. I've uploaded a photo of our "other boat" Justa Little Bit Longer - she is 32' Just enuf for two.
Might as well hit the Nursing Home up to your neck in debt. Two choices: 1) Scrimp and save and give it all to the Nursing Home (can drain the biggest nest-egg in no time) or 2) be in debt up to your eyeballs and let the govt pay the bill 'cause you don't have anything to take.