Hi Roberta...

You are really very fortunate to have three good sources for cash when you need it.....

Your thinking is right on the head (as usual), and far be it from me to offer much in sage advice.  There is one other thing to consider possibly, and that is taking a Home Equity loan or line of credit. The rate isn't bad right now, the interest is tax deductible, and getting the money won't create taxable income. Of course, one does have to pay the loan back, but if you can put it into a couple of tax years you might find it to be a viable possibility. I did it a couple of years ago when I needed to replace two furnaces and A/C units and a water heater.... Yeah, I spent some interest, but I didn't hit that higher income level that causes your Medicare taxes to go way up. That alone softened the interest hit. And spreading the income over two years kept me out of a higher tax bracket.

I just read Randy Pausch's book "The Last Lecture"... Randy is a Carnegie Mellon professor, married and a 47 year old father of 3 small kids. He also has terminal cancer and will probably die within a few months. In his Last Lecture and in the book one of the words of wisdom is to live each day fully because it might turn out to be the last one. You mentioned cutting back on travel as a way to possibly meet this need. Please, read the book (at Costco for less than $12), or go to lastlecture.com and see the actual last lecture.... and go enjoy those trips with your husband. You won't be sorry. 

Just another thought...

Peace

Bob