My girlfriend and I sailed a 20 foot PSC Flicka 1200 miles from LA to La Paz
The boat was insured for liability only (required in Mexican waters) I could afford to lose her, though obviously made sure that didn't happen.
We lived aboard and cruised her for 6 months. We are glad we did it, but wouldn't do it again on such a small boat. Not because of safety
- Flicka's are quite well-found and easy to manage, even in gale force winds - but because of domestic tranquility and comfort.
I'm also older - 48, and developed some very painful muscle and joint problems related to managing the boat, and her cramped quarters. You cannot ever really stretch out. It was like living in a space capsule with two people constantly banging into each other.
For someone younger - like in their 20ies, it would be fine. Notice how the Pardeys moved up in size as the aged...
We now live aboard and day-sail a Catalina 30
in Los Angeles. What a difference.
But I'd still rather be in that little Flicka in a Gale...