I was just looking at the pricing of the J28 on yacht world. I agree with you kind of pricey. If you are looking for a 20 year old boat that you can use on the lake, i can think of few in that price range that i think would serve you better as weekender. A 28ft'er can get small for 2 or more people on weekends when the weather keeps you in the cabin. I justed picked one out on yacht world as an example.
1987 Pearson 31-2 Sail Boat For Sale - www.yachtworld.com