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You are again on the money Jeff.
AS I also suggest a small responsive cabin boat is a must to get startet.
And you are right that things can get ugly in a catamarane in extreme situations much faster.
Cat lovers will quickly tell you that cats being much faster can outrun bad weather. Thats right and wrong and shouldnt give anybody a false sense of security.
Also depending on the cruisng lifestyle Cats might not be the for everyone, as they loose all that speed and a lot of desirable treats, when they are loaded down.
If one considers 20 % weight gain due to cruisng stuff on the boat, than these 20 % allow a lot of stuff in a heavy displacement monohull, but in a lightweight cat you barely have enough food for a week. I am exagerating of course to get my point over.
Still I personally would look very hard for a 38 plus size Cat