I know exactly how you feel right now, thats how I felt when it all started!
I also wanted the island paradise theme but couldnt justify paying $6000 for it.
When Monica calls, shell pretty much walk you through everything, and go through everything you can "add on", and go through any changes you may want to make. You also dont have to book anything right away if your not ready, just let her know you will get back with her on it. We booked our theme right away with her and if you book you theme during that phone call your required to put down 50%, and shell book any other things your ready to book like hair appt., entertainment, photography etc....
I didnt book any hair appt. yet bc Im not sure what package I want yet, we didnt book the entertainment yet bc I was also unsure on that one, but at the moment we are leaning towards a calypso band, she will answer any questions you have though, I dont know much about what you want witht he DJ and dance floor, but I havent seen anywhere in the books an option for a dance floor but I would def make sure you ask her.
How many guests do you think you will have?
Did you sign the wedding/group contract yet?