You mentioned an air conditioner 19kbtu and 9kbtu are they worth the effort? If you did not have them would you still desire a genset?
We did see one interesting alternative to the marine AC. We saw a boat where an RV air conditioner (I think it was a Coleman) had been fitted into a hatch. They had a waterproof cover to keep the sea water off it while under way. Great Idea! Much cheaper than a marine unit and no sea water plumbing!
Marina living in hot climates is another thing. I sure wouldn't do that without some form of AC. In Trinidad there was a local company that adapted window air conditioners to be installed in hatches. They did a booming business with renting them to the yachties in the marinas. Oh, yes, power was included in the dockage in Trinidad.
Now the genset question. With no air conditioner and with no (or a DC) watermaker you could do without a genset. They are mighty handy, however.
A word of caution. Here are devices that look like big alternators (and are mounted and driven the same way) that produce 110 volt A/C current. I can't remember what they are called (cruising generators, maybe). We saw two boats that had suffered crankshaft damage from using these. It seems they put a huge sideways load on the shaft which damages bearings which ultimately damages the crankshaft.
Some people also carry little portable gasoline generators for their A/C needs.
Since you apparently have kids to take along (see next question), and depending on their ages, you might want two dingys. One for you and one for the kids. Many people carry a sailing dingy. It gives the kids something to do in an anchorage full of grown-ups. On second thought, those people can't be grown-ups; the don't have jobs, and they spend all day in bathing suits!
Jim & Diane