Gene - Your best conclusion will be what feels right for you folks after you've been in TV for a while. All the combinations you mention are reasonable - - - you'll just need to pick the one that makes the most sense to you given your personal situation.
Ex. - Few people seem to feel the need for two cars. Yet if your situation is such that you and your wife will both have a regular need to drive "off-campus", for example, then two cars would be a must for you.
Bill
