Hello,
I live in Chelsea with my husband and two year old girl, chelsea is a nice family area with a good beach, cafe's and parks we have a three bedroom house with a nice garden, however Im not 100% settled there, the strip of shops and cafe's has two roads and a train track running along it and find it to much city suburb like think i would prefer a bit more in the country. I much prefer mornington, mount Eliza and mount Martha, however these are too far out as I work part time in the city. If you need to be nearer the city mordialloc has a much better layout and good schools but its harder to get a house and the standard is a bit lower, but don't worry plenty of people do successfully get houses it's just we chose a better house over a better suburb.
You should a lot look at edithvale, parkdale and mentone. I can't reall help you with the other suburbs you mentioned lots of people like them but I just Had to live near the beach.
Dont worry too much it will all become clear when you come for a holiday, we came here blind as we didn't have enough money to check it out.
Good luck!!