Laura, you have no idea how good Dave's advice is.
Thank you Scott. Very kind of you to say.
I do think you and your husband should - one way or another - get a little solid offshore exposure. I obviously don't know you or your relationship with one another; the risk is falling into blue/pink stereotypical roles which in turn means you are dependent on one person for particular skills. For life-safety capabilities like moving the boat at sea that has drawbacks. It is common, but not great.
Robert Heinlein, a famous science-fiction author said in Time Enough For Love
: "A human being should be able to change a diaper, plan an invasion, butcher a hog, conn a ship, design a building, write a sonnet, balance accounts, build a wall, set a bone, comfort the dying, take orders, give orders, cooperate, act alone, solve equations, analyze a new problem, pitch manure, program a computer, cook a tasty meal, fight efficiently, die gallantly. Specialization is for insects." If you and your husband can both do most of those functions life will be happier for your family. If you teach your children to do them they will be happy and confident and self-sufficient; you will have made a major contribution to humankind in the process.
Enough pontificating on my part. Please write if there is anything I can contribute to your thought process. I dearly wish my parents had been as adventurous as you and your husband are.