This isn't what you want to hear, but others will no doubt echo it: if you're really a novice, both are biting off more than you can chew, especially the two-masted Ketch, and you're a long way from safely cruising in open ocean. Also, why the insistence on a center cockpit?
I'm close to buying a first boat too, and while I'd say I'm maybe a little past novice (but not all that much) I wouldn't think about trying to skipper anything bigger than a 30' sloop at this point.
And another thing, when drafting that $100-150k budget, did you factor in the moorage and maintenance costs of such a large vessel? Eg., you're looking at the better part of $1000 just to have it hauled out and surveyed. $1500+ to have it bottom-painted every year or two. The big diesel's going to need maintenance too.