Money and time ! Always my problem too!!
In your case, I'd probably be happier being taught by yourself with the greater experiance and someone who has just done an intensive course? But saying that everyone has to start as a new instructor at some point?? Ideally it would be experience plus the instructor course, that is easier said than done though!
Is there much of a difference in Krav across the US from coast to coast?? It's very difficult to answer it for the UK, mainly because there are so few schools, so comparing is very hard as your lucky to find one school never mind 2!
Krav is obviously pretty big across Europe but it is still early days in the UK really, once you get out of London it is difficult to find a school.
He who dares wins, Rodney!