We had built a 38' "perfect world cruiser". Aft cockpit, good dodger, quarter double bunk, head with wet bath, settees on both sides of saloon, with table fixed on Stb side. Forward cabin only V berth. Head just forward of the double port si quarter berth, and gallery along the sub side of the boat from companionway to the stb. settee. But after some rather cold and wet sailing, my very smart "Admiral" said something to the effect of "Buy a pilot house boat and take me where it is warm". After about 40,000 miles in the first pilot house boat, (Calif to Europe and back, via the N E US coast, the Caribbean, the North Atlantic crossing, over a year in the med, a season in the Baltic, down to the Canaries and another spell in the Caribbean and non stop from USVI to San Diego, she was sold. After a few years of work, we did our next voyage, which involved 4 seasons cruising in Alaska--probably much closer to your weather in Finland.