I agree.. just get a more simple white dress for your church ceremony and keep "the dress" for your beach wedding.. there are lots of cheap dresses on ebay.. I'm sure you could find something that wouldn't stretch your budget
I'm in the same boat as you.. my wedding is November 5th, 2008.. it does seem more real now that it's less than a year away!! We'll just have to relax and enjoy the process... I hope. Heh