First, what do you consider affordable? I have owned a Fountaine P 35 foot Tobago
. It was a nice boat with lots of room and sailed fairly well for a cat. I had no major problems with her but she was only sailed in the coastal pacific area and never in more then 40 kts. The only thing I didn't like was where the steering
station was limited visibility severely when the main was up.
I have Captained a Gemini on a charter
and have to say I would never consider chartering this again let alone owning one. the visibility was terrible as you had to look through the cabin
to see forward. The steering
was extremely stiff ( I still believe something was wrong with it but this was a brand new boat) and the floor underneath me was getting pounded by waves even in a small swell.
I have sailed many larger cats but these are the only two that I think you would be able to pick up for under 100K