The bayfield should be great. Should be a lot of options for $90k. If you are the type to beat to
weather for hours, traveling 40% further over ground to reach a
destination, then get a fin keel. If you are the type to start the iron reacher, charge the
batteries and
motor sail once you're down to 4 knots, then full keel is great, generally tracks better, can take a grounding better etc.