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I would not say that just because it is a 3 cabin arraingment, it started in the chater business. Being as the Jeanneaus of this era were race cruise oriented, it may have been a person that raced bought it, this way for crew sleeping qtrs of larger crews.
Or a larger family bought this to sleep the family.
Unless you can get a list of whom has owned teh boat from the get go, there is no reliable way IMHO to say it was or was not a charter boat at one time.
Looking at yachtworld, there are two in the US, one in florida a true 36, then one here in Seattle that is the stretch 38' version. Are you looking at one of these, or a european model?
After twenty years, if it was chartered teh first say 3-5 yrs, the last 15 could have been worst on the boat than the charter part too. Some local Arcadias that have been raced hard, two that I know of, have had to have the cabin top where the mast is mounted rebuilt due to race stress of the deck mounted mast. My rig being the original owner that cruised mostly, seems to be fine. Then in vancouver BC, an arcadia was listed as #4 of the top 10 sailboats in that region. One fo the two locally has won its division of Swiftshure two yrs in a row, an ocean race from Victoria to the swiftsure bouy at the mouth of the straghts of juan de fuca. So these boats are not slow when in the hands of a compitant crew.
I would think the boat, assuming it is sound, would make a fast comfortible cruiser. I have to admit, a Tarten would be my first choice.......but I do like my Jeanneau.