Re: Why a racer for cruising discussion...
I kind of like the racers for their simplicity more than anything else.
Since many "cruisers" as you define them, statistically, are at a point in their lives (50's or over empty nesters) where they can afford new or new-ish large cruising boats, the numerous systems probably become less of an issue to them.
But I certainly know that every boat I've ever stepped foot in myself has been close to 30 years old. And things like hoses, through-hulls, miles of old and sometimes-shorted (always corroded) wiring, etc. etc., all hidden behind cosmetic paneling and very difficult to access, makes a "cruising" boat a huuuuuuge PITA.
Things like in-mast mainsail furling and other complications to rigging also in my opinion make some "cruising" boats more anchor-friendly, but less sailing friendly.
That said, even a racer is gonna be slow if it's loaded down, especially a boat designed to plane or semi-plane, it gives up something upwind for that planing hull-form and if you are too heavy to plane off the wind, you are possibly slower overall than a true cruising boat.
The solution? GET A BIGGER BOAT