The beauty of your plan is that you're already building in time to handle setting up the boat properly. You aren't expecting to just hop aboard and go. That gives you time to spread out the cost of repairs that will be needed for the boat. When you buy, you'll likely have an initial outlay for "stuff", even if it's just silly things like head deodorizer, teak oil, boat soap, etc. And you'll find that you need tools that you never needed before. But, after that initial buying spree, you can start to pace yourself and figure out what you truly need, and how soon you'll need it.
So far, it sounds like you are taking a reasonable, logical approach. Yeah, it would be great to have $200,000 to spend on the boat. You don't. So, you basically have 2 choices: give up completely, or modify your plans/expectations. Given that I'm a member here, I think you can figure out which side of that fence I come down on!
You say you want to sail away, but on your other thread, you mostly discuss coastal cruising and the Bahamas. As I understand it (I've never done it, so don't rely on me for this!), the trip to the Bahamas is a day sail from Miami if you have good weather. Sailing with 2 younger kids aboard means you're likely to only try to make that trip in good weather. Can you be content cruising around the US and the Bahamas? If so, you may not need the super-stout, super-big boat that you have in mind. Brian (Cruisingdad) lives aboard a 40' Catalina with his wife and 2 boys. With all due respect to Brian and Catalina, those boats are coastal cruising boats, not ocean crossers. But it meets his needs perfectly (or at least well enough to keep him and his family happy), and something like that might work for you as well. Heck, even something slightly smaller might work. Here are a few examples:
1984 Catalina 38 sailboat for sale in Florida
1984 Catalina 36 Tall Rig sailboat for sale in North Carolina
1985 Catalina 36 sailboat for sale in Virginia
1989 catalina sloop sailboat for sale in Florida
- yes, it's well above your price range, but she's been on the market for several months, and possibly longer. Never hurts to ask.
1983 Catalina Catalina 38 sailboat for sale in Maryland
So, are you only in if you can cross oceans, or do you want to spend a year or three (or more) building amazing memories while hopping down the coast, seeing the sights, and enjoying a lifestyle most of us wish we could pull off?