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Kodad...nothing wrong with a 20-30 year old boat. Indeed...if purchased from an owner that has undertaken a re-fit..then you could have very little to do in terms of upgrades...BUT you will pay for that condition up front. Assuming a boat in more typical "decently cared for but not pristine" condition, I think it would be safer to allow 30% for upgrades in your planning...assuming you do not have major issues like blisters or widespread deck rot or an engine rebuild after survey. Still...a whole lot cheaper than new and maybe better at sea than some of the more modern hull forms geared more to coastal cruising.
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Moderation in temper is always a virtue; but moderation in principle is always a vice....Thomas Paine
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