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Given your budget, the degree of experience your wife has and the skills you have, I'd suggest that you look for a boat that's sailable but in need of a little bit of work.
Spend a couple of years getting to know the boat and the sea. While you are doing this you can refit her. You won't save any money over the long run, but you'll know where everything is on the boat, how it was instaleld, and how to fix it when it breaks.
The alternative - finding a boat in good shape that has the size and features you are looking for may prove difficult given the dollars you want to spend.
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