Great detailed report - I enjoyed reading it since we did the same classes with the same company last November (except we did 101 as well). Our instructor was Genevieve and she made it clear at the beginning that we would all share in the cooking & cleaning. If someone was lounging while one person was cleaning, she'd gently suggest that someone get in the galley and help out. We never thought of heading out to meals by ourselves - great idea. We ate all our meals together either on board or on shore.
How unfortunate that you had a "holy terror" on your boat. That would have driven me nuts. I guess we lucked out in that respect.
Have fun on your first charter on your own! We're heading out on our second one later this year!
Julie