Re: annual cost of crusing Carib 2012?
Honestly, not to be rude, but why don't you get an annuity from an aaa rated institution?
Return from your 800g's would be about $5000.00 a month for the rest of your life!. Deposit 2g's a month and there's your $100.00 a day left, with a really nice emergency kitty.
But, as to your question; if you can do most of your own maintenance and minor repairs you'll be thousands ahead. The type of boat you pick will determine your expenses in that area. Air conditioning, watermakers, washer/dryer/, refrigeration, engine and generators, etc. all require regular maintenance.
Cost of living expenses will directly relate to your life style. If you want to eat steak and exorbitant specialty items, it'll cost you plenty down here. If you eat as the locals do, obviously it's pretty reasonable. If you eat in fancy 4 star restaurants versus local eateries; you get the idea.
On $100.00 a day you will be some of the richer cruisers; many survive very well on a quarter of that or less (see the $500.00 a month cruiser posts). We like to travel on the local buses; we meet the locals and see things and places not on a high priced taxi tour, though we do those, too, from time to time.
You can pretty much live as you choose with that kind of money, so it boils down to how adventurous your adventure will be.
Have a great time and Nikki and I will buy y'all a brew when we meet.