Guy,
My family hails from Braynefield in Caroline Co. I suspect that your "sticks" are in danger of being DC bedroom communities like at Bowling Green/Woodford.
My condo was in east Oceanview. The area was up scaled and is now East Beach. A captain of the Silversides has the condo under mine.
I think that Rob builds POB - Castelo would be limited to deck furniture.
Clippers are big - Even at 1:96 they are big.
There are dues that must be paid (dues = skills and experience). You can start small - Bugeyes/log canoes/sloops/schooners for Bay fishermen - or jump in with a clipper. Either way, you have to put in the time. The danger with starting big is that when you hit the inevitable sandbar and lose your muse - the big vessel will loom so large that you abandon the whole project. A small craft will not seem as imposing. You have to not see the project as one whole thing. See it as what it really is - a whole lot of very small sub unit models.
Rob is spot-on about which clipper you should choose. What is the point of building a ship that is a kit or a monograph?
Another me-too is about as boring as it gets. Find a neglected, ignored, forgotten subject - HIC has more than a few as plans at S.I. David MacGreggor has a bunch more. If you like newer composite or steel Underhill has bunches that no one builds any more.
Milling your own stock: You are not going 1:48 or 1:60 so you can be fine with 4x4 rough stock.
Get a quality 10" rip blade. If you want to set your economic partner off like a Roman candle - Infinity has a very thin (1/16" kerf) 10" rip blade - it only costs $200.
It will not be happy , but your benchtop bandsaw can also resaw as long as the stock is not too wide. See if Bandsaw Direct can get you a Lenox Diemaster 2 bimetal blade that fits your machine. It lasts about 80-90% as long as a carbide and has minimal set so less thickness sanding.
https://www.bandsawbladesdirect.com/lenox-diemaster-2-bi-metal-band-saw-blades
Thickness sanding - big drill press - largest diameter- longest height sanding drum that you can find. You need a good fence.
A Magfence may be quick and dirty - if the drill press table is large enough to mount it.
https://carterproducts.com/band-saw-products/band-saw-magfence
Vertical is not intuitive for thicknessing but it can work- the stock must have a flat edge - another tablesaw cut.
PoB vs POF vs WL carved.
I just do not see that clippers make for a good POF display. They were all about business/speed/efficiency/profit.
They were mean lean racing machines - their hulls should display that feature.
I do not see how I could possibly have more disdain, contempt, derision for PoB as a method. Before it is sheathed -it is an intolerable insult to the vessel being replicated - so hideous! - But I see the utility with using it.
Plywood should be avoided. MDF is beyond the Pale - pure synthetic crap. Pine or Yellow Poplar. Make the central spine two or three layers of your own homemade plywood. Overlap. If it is three layers, the middle can be recessed. There would be a pocket/slot for the proper keel. The molds solid wood - thick - 3/8"-1/2". Loft more molds than bare minimum. Pine and Yellow Poplar are much more pleasing to shape than plywood.
The better choice is WL-carved. Use Yellow Poplar- it is a dream to shape. As many layers as can be had. No planking.
Excellent base for paint.
No real copper. The paint is probably perilously close to being in scale plate thickness by itself. And 1:96 - no way individual plates could be discerned - unless your nose is touching it.