WOW...thanks everybody for all your input! Yes, I agree that to have the one you love with you in the end makes everything worthwhile! Reading all your posts has been immensely educational, so thanks to each of you who took the time to post! My journey is soon to begin, as soon as I can get all the paperwork together, so just wanted to plan ahead for the costs that I need to expect, so I am much appreciative and grateful to know all of this on the outset of things...