Thanks to everyone for all the suggestions. So this is how the week wound up. We spent Sat and Sun nights on the hook locally with friends. We returned to our marina on Monday morning to re-provision, get fuel, etc. Had a bit of a late start, leaving to head south around 1300. The weather wasn't great, and by the time we turned south near Port Tobacco, we were taking wind and waves on the nose in about a 3 foot confused chop. The boat was handling it fine, but it was getting tiring driving. So as we approached Colonial Beach (already close to 1800) we decided to pull in for the night (there was no way we were going to make St. Mary's by sundown). Stayed at Nightingales marina, which is a tiny marina and motel run by an amazingly nice couple. We've been there before and always enjoy the beautiful grounds.
Tuesday morning NOAA had a small craft warning up with predicted 3.5 foot seas at 3 seconds (basically big, messy chop) and 30 knot gusts out of the north. As anyone who has done the Bay knows, it can be really bad at the mouth of the Potomac, particularly with a north wind, which is just what was predicted. They were also predicting thunderstorms in the afternoon. So, we decided to stay put and had a wonderful day walking the area and just relaxing. The wind died down by early afternoon, which had us reconsidering our decision, but when thunder heads began to form all around us, we were happy to be where we were.
Weds we went to St. Mary's where we tied up at the college dock (with their permission) to explore the historic St. Mary's city (think of a much, much smaller Jamestown). Anchored in Horseshoe Bend for the night and enjoyed the meteor shower. By now it was too late to make Tangier and be back to meet friends on Friday, so Thursday we visited Coles Point Plantation marina just to look around, then explored the three creeks/rivers off the Yeocomico, deciding on the end of the Shanon branch to anchor.
Friday we headed to Cobb Island where we had some great fried oysters, after which we explored the Wicomico river to Leonardtown, before cruising back to Colonial Beach Yacht center to meet our friends.
Saturday we rented a golf cart and hit a few restaurants, then enjoyed a great band at the marina restaurant/Tiki bar on Sat. night. Sunday we returned to our home marina.
Did a total of 255 NM and burned around 70 gals. of diesel, usually running between 1400-1600 RPMs (need to dip the tank to get an exact reading). Ran the generator a grand total of about an hour to make coffee on the mornings we were anchored out. Amazingly, we didn't really need the AC due to much cooler than normal temps with lower than normal humidity, although we did run it when at the marinas.
Next year, the plan is to actually make the Bay and we plan to anchor out more, but the weather will likely be the deciding factor again. It was a GREAT trip. The only bad thing was that the sea nettles were really bad so we never got to go for a swim. Our favorite spot was the anchorage in St. Mary's (would use it again). We never had to pump out or refill water, so we now know the two of us can easily do a week straight on the boat without having to stop. A big advantage of having the boat in salt water for the week (it is fresh upriver where we keep her) was that almost all of the fresh water algae on the bottom has died and fallen off! Much more fun than a haul out and pressure wash.
One casualty from the trip, my binoculars fell off the pilot seat onto the carpeted floor. I thought they were fine, but it turns out one of the prisms is out of wack, so we will need to send them for repairs. Fortunately, this was on the way home yesterday, so we were OK without them, but I now plan to get a second pair both for back up and so my wife and I can be using them at the same time. I'm going to start a new thread for recommendations, and hopefully it won't turn into an anchor thread discussion.
Lastly, we had with us the following books, all of which were very different but combined made an amazing resource: Discovering the Tidal Potomac (the only Potomac guide I've found, although it is about 10 years out of date), Guide to Cruising the Chesapeake Bay (more marina/town oriented), and Cruising the Chesapeake: A Gunkholers Guide (geared more toward anchorages).