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margretlee, I can't give you help on this as I honestly don't know, but IMO you are wise to be concerned and your points are valid. You are a mom looking forward/trying to plan and that is important.
I like that you care enough to think about your younger daughters that will follow. My parents did the same and wanted us to have things equally (could be stated better).
I am sure you will find more information as you dig around.
I can tell you I have seen some wide differences in fee schedules when comparing orgs in the same Florida schools, so it is wise to know what you are getting into. I think it is wonderful that you are doing your research.
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