Dunno what it is about Yachtsmans, but the past few times I've been there, it's kind of been meh. Other than the steak, which the quality of the meat is always good, but they char it a bit too much for my taste, the sides aren't that good. I prefer the appetizers at Le Cellier actually (the poutine and the cheddar cheese soup) and their steaks are fantastic (Mushroom filet

), but I can see why you wouldn't want two credits for it or why the service is not up to par with Yachtsmans. Have not been to Narcoossee's in ages, but between Yachtsman and Narcoossee's, probably would go with Narcoossee's.
My parents are going there next trip. My brother and I are going to Chefs de France. We were talking about doing Beaches and Cream, but their menu doesn't have anything my brother will eat sadly (Chefs has chicken strips; he almost lives off those on vacation. None at Beaches and Cream).