With a max of $200k, you certainly have some options in new boats from the big production builders, but you will loose more selling it after 5 years of cruising. Those 5 years, "should" however be free of big expenditure and needed upgrades versus used boats.
I agree with Chef on this:1998 Pacific Seacraft Ericson 380 Sail Boat For Sale - www.yachtworld.com
This would be a very nice cruiser, if you can budge on the draft:
2005 Wauquiez Centurion 40s Sail Boat For Sale - www.yachtworld.com
Every boat will be a compromise of some sort.