Another point is - When you can go cruising? Is the boat so big and so expensive or needs so many $$$ to repair that you cannot go in the next ? years. Maby it is to big.
You might change your blue water
plans and go coastal.
Some people can handle a 16 footer for several months, Some people cannot go cruising in a 60 footer.
If you can go backpacking for a couple of weeks then you might be able to go cruising for a couple of years with just a small cabin
and small galley
. 19 to 28 feet.
A cheeper boat you can go cruising sooner and have more money