Thanks to all for weighing in, and especially to those who took the time for a lengthy response. It's been very helpful, and certainly put our minds at ease.
I've recently retired, and my wife and I are looking into the Great Loop as one of the first bucket list items to attend to. We're also likely to head into Lake Ontario from the Carolinas many other summers to escape the heat. A 2002-or-later 480MY is on the short list of mutually-acceptable...