Not sure what your cruising plans are but I can tell you our experience. We did not really know if we would like it or not. When bought my boat I was still working and would be for a few years. We got a 40' Jeanneau
DS 40 new and with no previous sailing experience outside of some lessons we did get to kinda figure out how to sail her. But I wanted a boat that would sell if we really did not want to do the cruising thing.
Well luckly it did work out. And our goal was the Bahamas
and back safely and then up the east coast
of the USA. On our 2nd Bahamas
we knew what we thought the boat needed in terms of stuff and by now we had owned the boat about 4 years or so. By the way we sold our house, paid off the boat and set sail. So we said if we are going to keep this up the needs X,Y and Z. We spent the bucks and set out. That was a bit ago and now we have been out 8 years and sailed all the Carib, crossed the Atlantic and 2 years so far in the Med.
So the boat you get may not have what you want so be prepared to get a sound sailing boat that you can upgrade or change to meet your needs. Think about your short term goals but also realizing that long term stuff may be out there. We have met so many people who set out to do a circum nav and never make it past Georgetown
,Bahamas (known locally as chicken harbor) but we have also met folks who set out for a bit of cruising and now have ventured more miles than they ever thought they would go. Our goal when we left the USA the last time were the Bay Island of Honduras
and back. We never made it back; we just kept going and boy that was a bunch of years ago.
As for cost - we put our costs out there for the last 6 years. Take a look.
6 years of cost data
might give you an idea.