Your initial question was "Am I on the right track?"
If you're referring to eliminating credit card debt: yes. Like you said, more of it would be a fixed rate bank loan, and the rest would still be credit card debt. If you are looking for comfort in this, good for you.
If you're talking about eliminating debt, PERIOD: not exactly. It's very common for people to consider the options you're mentioning (family, retirement plan, bank loan at a smaller fixed rate) and two of those are usually not recommended for reasons repeatedly mentioned on this forum.
So it sounds like your question was "What's the best way to transfer all of my debt to pay less interest and have someone set an aggressive pay-off plan?" So far (expectedly) the response has been "set your own aggressive pay-off plan and avoid the middle man altogether." If it being a bank gives you motivation via an external pressure, so be it; but it is not a requirement to pay credit cards off early, if that is your ultimate goal.
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