Do you have a way of earning $$$ while underway? If so, many of the upgrades can take place over time and as you travel.
I agree that you should stick to the PNW while learning your boat and how to sail. As they say, there's no substitute for experience.
In the price range you are considering, ANY boat will need upgrading and as it has been pointed out, your upgrades will quickly erode that 10k that you have budgeted for the upgrades.
small liferaft: 2.5k
watermaker: 2 - 3k
sails, main/jib 4k
new depth/speed/wind at least 1k
anchor/rode 500-600 depending on selection
As you can see, you can rack up some serious $$$ without getting into the details, such as fasteners and maintenance
Don't loose the dream, just keep a realistic vision.