Are you really willing to take your family up there? Mate - I've been doing this stuff solo and I find it hard. I can't imagine family pressures on top of the rest of the dilemmas. Is there anything you can do locally (skydive..instructing)? Might be worth a look into. The life of the 200 hr pilot involves moving from place to place at the drop of a hat and sooner or later you will be faced with some heated discussions with your loved ones. On top of that you will discover that it is a privilige to earn 20K a year. There are many that go with out. Best of luck.
P.S. Don't spend too much money on 200 series time...20 hrs is plenty... I got a job and had no high wing time at all.....