Well, that's settled.

The Fragata, looking its best

I've found it pays to ask if there are deals. I found a very good price on a five-day/four-night trip aboard a first class yacht, the Fragata. The price came from a site called "Galapagos Last Minute". I ended up paying about $1600 for the cruise, including all meals and flights from Quito to Baltra and back ($250--muchas gracias, Rodrigo!). I considered a less expensive boat from the same company (tierraverde tours)--the Golondrina--but I read reviews and it appeared to be smaller and more rickety; I was concerned about seasickness and personal space, as I'll probably have to share a cabin. Fortunately, they offered me the deal, and I took it. As for a hotel, I found a place called Boutique Hotel Plaza Sucre in old town Quito for a very good price (half of the hotel's website price, so I paid $50/night instead of $100) on Booking.com. I have no idea what I'm getting into; everything looks good on the internet. I was so nervous about sending a bunch of money via wire to a company I didn't know that I paid with my credit card instead, which cost me an extra Ben Franklin--but I felt better about it in case I was being conned. It happens. I plan to be in Quito a day ahead of the boat trip, as I can't be sure I'll get my flights.