Wallet speaking, I'd like to be around $150ish +/- a bit her an there. I'm honestly more into the boat than my wife is, but if we found something that was damn near spot on I think we could push the numbers. No way to justify any of it, as we have a short season, kids in sports and a camper etc..
Sell the camper, make sure your kids never learn how to skate! Your budget seems low for what you want.
Take the $ from the camper and all associated costs, up your budget and buy as good condition of a boat that you can. Settle on a few must have items (let her win unless it is a safety/reliability thing), and try to do as much boating as you can, and understand you'll probably be doing more maintaining than boating.....or spending a lot more money.
Our kids are now 9 and 10, we started with a smaller express cruiser. It was great for learning and figuring out what we wanted. It also sold easily as they are so common.
We now are in a 2001 Mainship 390, may be a bit small for you but also has proven to be bigger for our family of 4 than we thought. We bought it sight unseen for full price because after 5 years hiding here and listening, we figured it out...at least for now!
We are also on the great lakes (Superior) so have a short season as well.
I believe, to do this right up here you have to be obsessed. Relatives will call it crazy. If you aren't that, it will be more work than enjoyment!
It sounds like you already have a great boat...Hat 36? Why the change? Sorry if I missed it in a thread before.
Also..quick add. My Mainship 390 has the lower helm. I simply would not compromise on that. I am glad I did not. I use it every docking manuver (I could not single-hand well without it) and it is also nice if you don't like the weather to just go below, close a door.
Lastly, going fast is overrated. We are happy at 7.5-8.5 kts. Life is so much better not worrying about hitting something when you are flying everywhere.....and it's so much quieter...and cheaper. You can play uno with the kids at 8 kts and the cards won't blow away!