The reason I did not model it this way, is that I wanted to be able to iterate the list of characters in order to try each of them out in turn. That seemed easier with a List Character.
I do find looking for the best data model in Elm can be challenging, I think because it is such an exacting and minimal language. Problems like this one are great for learning on, so keep 'em coming if you’ve got more.
P.S. I would also love to do an animation of this, with the characters getting in the boat and farmer rowing them accross. In Elm of course.