I wouldn't bother with a 7D or 60D, given that you have the T2i/550D, which has essentially the same sensor - so from a point of view of IQ, you don't get any improvement. The only reason to move to a 7D is if you need environmental sealing, better AF or more fps.
... and better usability (lcd display, back wheel, more firmware features) which is a big plus - I wouldn't want to go below a 60d. But of course this is a bad time to get the 18mp sensor - the old 18mp cameras will be cheaper after the rumored 7d2 update.
3) Buy Used 5DIII (LensRentals sale) or 6D and 40mm pancake ($2300).
Unless you really want to shoot sports or track your kids imho the 5d3 would be overkill, the 6d has almost the same sensor (a tiny bit less mp but probably a bit better noise). You most likely don't need the pro-oriented features - the 6d is targeted exactly at your customer group, and even with some tracking might be working (wait for the reviews). Remember the camera body is the part that looses value fastest and the lens takes the pictures.
Would it be worth $1050 and would you trade FF for the lack of a normal zoom lens?
If you've got a steady income and can build your kit lens by lens, there is no need for a zoom if you are ready to change lenses if needed (i.e. you don't shoot events and have to quickly zoom in and out).
If you are struggling with this purchase and think "that's it", then think again - what situations do you shoot and what lenses are required, and esp. what additional items will you need (cf/sd cards, flash(es) + addons, tripod, filters, ...). The stuff next to the "core" gear will probably cost you more than you think.