Depends very much on the size of boat, intended cruising area, and personal preferences.
KETCH: splits sail area into smaller, more manageable size; lower masts for
ICW bridge clearance; more complicated and expensive
rigging (two masts, two sets of shrouds, etc.); easy to reduce sail and still keep boat balanced; big stick in the
cockpit to either hang onto or bump your
head on.
CUTTER: two headsails; easy to reduce sail and keep going well to windward; not necessarily more difficult to tack to windward (you can just sheet the staysail amidships and ignore it); relatively fast to windward.
Mast generally stepped further aft than
sloop or ketch.
SLOOP. most efficient rig for sailing to windward. Difficulty of handling sail depends on: (1) size of boat; (2) type of
furling (slab, in-boom, in-mast, behind-mast, etc.); and manner of rigging.
I've sailed all these with my family, at different stages of their life. We cruised for several months in a
Pearson 10M sloop and a
Pearson 365 ketch. The sloop was much more fun; much faster, less clutter.
The mizzen on a ketch looks good in pix when wind-vaning at
anchor. Real advantage is very dubious, IMHO.
On balance: sloop or cutter for price/performance/ease of handling unless you have a really big boat. Then, a ketch might make sense.
Bill
BTW, I'm in my upper 60's and have no problem single-handing my 42' sloop, though I have recently succumed to certain niceties like in-boom
furling,
electric winch and
windlass, roller-furling
genoa, etc.
B.