Hey Bill... Great minds think alike! I just sold my D200, Nikon 12-24/4 & Nikon 17-55/2.8 (that one hurt a bit) in preparation for the D600. For me the following Nikon lenses remain: 24-120/4 VR, 28/1.8, 105/2.8 VR, 70-200/2.8 VR I, 70-300 VR, & 300/4. When I do finally get the D600, I'll try the 24-120 and determine if I need a lens that is wider but I think 24mm should handle my needs.
So in my opinion, your "keep things simple" plan is headed in the right direction... and you'll love the 28. You have the Speedlights covered but will need to pick-up some 16MB+ SD cards & you're good to go.
Dorothy & I send our regards to you & Joanne.
Dennis (your former Holland-American cruise mate).