A 31 foot sailboat in good condition costs a minimum of $50,000.00 You can pay it several ways..all upfront when you buy a boat in decent condition, half and half buying something that is okay but needs work, or nothing at the front end and spending the other $47,500.00 over the following twelve months. But sooner or later - you are going to spend it. So if you don't have 50K to spend over the next twelve months, you can't afford the Southern Cross.
Also, I am honestly not trying to offend you, but if you are at a level of experience where you are not aware of the differences between the Hunter anad the Southern Cross, then you are not ready for one.
There is a lavyer of balsa between the inner and outer fibreglass skins of the boat. If it is cheap, it is likely that there is a problem there, and unless you've beeen working on boats for a while, you don't have the expertise to repair it properly.
Get the Hunter - have a great time, learn to sail and run aground a few times. If you maintain it and even upgrade it a little you will always be able to sell it for what you paid for it.