Well, just to bring this to a resolution....
I had been operating under the principle that gas is cheaper than electric, and tankless is cheaper than tanked, in regards to operating costs. Thankfully....I finally found a website that let me test that principle.
Energy.gov heating costs comparison
Just plug in your numbers for EF, $$/kwH, $$/BTU/propane, etc...all readily available stuff.
And what did I discover from this? That at current rates, running a propane water heater would be almost double my yearly operating costs vs. electric.

So now the propane tankless fails on installation costs
and operating costs. So I'd never "earn back my investment". Even if electric rates double, and propane stays roughly the same, it's still cheaper with electric.
So the only compelling reason now is just the "never run out of hot water" scenario. Well, pfft. We've learned to live with a tank this long, I think we'll be ok. We upped to an 80 gal tank, so we'll have plenty for our dual shower.