With boats you quickly (& slowly) learn that "tough & worth the money" has more to do with how well a boat has or hasn't been cared for, along with how easy it is to maintain her systems. And the number & quality of primary systems that she has.
For example, a custom dual roller for your ground tackle could cost several thousand dollars alone. Plus; the anchors, chain,
windlass,
windlass wiring...
Another example is how easy is it to
work on the
engine & it's ancillary systems? Such as changing her
oil, accessing the
packing gland, being able to bleed the injectors underway, quality of her
fuel filtration &
delivery system, ditto on her
diesel tanks & their
installation.
Similar critera & traits apply to everything onboard, & while yes, the quality of the
hull & her structure do matter, that part is easier for builders to get right than a lot of "the little things", & they're what really make or break a boat. Not that it's just the boat's builders who determine such things, but also, to an even bigger extent, the quality of care given her by her previous owners. And the amount of wise thought that went into whatever systems or
hardware that they added to her.
Also, the above types of things (added or original systems & gear) can add a huge amount of value to the boat if done well, & they're in decent shape. Far more than will be reflected in the boat's
price. As adding them tends to cost many times more than if a boat already has X, or Y & said gear's in decent condition.
So it helps to make a list of must have features, & nice to have features, along with knowing what each is worth to you. Both in terms of practicality & comfort, & what it'll cost to add system X, or replace it if needed. Thus I advise folks to make up a spread sheet that covers all of these personal boat feature desires, & tally up what each candidate boat has or doesn't, in order to see what it'll cost to bring each boat up to your personal (ideal)
cruise ready standard. As doing this kind of objective fiscal analysis is often quite a shocker to many buyers unless they've been at the sailing
game for a long time. Thus this helps to level the playing field.
Though in the end you also have to love the boat, so don't buy one that doesn't make your heart swell, or beat a little faster when you think of/see her.