Well, we are doing it that way and it was the best decision we've made! Like you, I was worrying too much about who would be able to afford to go, who we would invite, how we were going to pay for it all, etc. Now, there's no stress! Our loved ones weren't too keen on the idea at first, but once we told them we were having a celebration when we get back they were all gung ho! I say do what's right for you and FI, and everything else will fall into place.