The "cut close but not quite" and finish with a belt sander and plane method sounds like the best way to go. Good for a single panel or a stack of panels.
I do have, or I had the router bit Mick suggested, but I'd need another one to try that method. I used that bit to trim the bottom to size when I built the Pirogue. Seems I tried to trim the whole thing, all the way around in one pass and did, only I got impatient and went a little too fast.
That was the day the garage suddenly filled with smoke.
I "cooked" the router bit, the smoke came from the last foot or so of the bottom panel, just as I finished. No real damage was done, but it was kind of scary for a minute or two.
Well, I know better, now.
I'm not sure if I'll get any cutting out done today or not. Since I have the ply (and then some,) and two sets of plans, I'll probably go ahead and loft up both the Freedom and Southwind. Once I get started drawing the pieces out, I'll likely keep going and get them both drawn and ready to cut, at the same time.
I won't be doing a "two boat build," but I think doing the drawing for both at the same time and maybe the cut-out for both makes sense to me. When I'm ready for the second build, I'll have a bit of a head start, just like I'd bought a kit.
Thanks for all this help! (Some of this should be copied over into the "Tips & Tricks section.)
Mike S.
Spring Hill, FL