Tauap...you know...starting out coastally on the Morgan and doing the Bahamas & such as a full timer might not be a bad way to start for a year or so. By the end of that time you may have some different perspectives on how you want to cruise, what you need to cruise and where you want to cruise that will allow you to fine tune the "next boat" much more than you can imagine today.
Assuming you are reasonably equipped for the bay today, a raft and an Epirb and maybe a honda generator (all reusable on the next boat) would be all you really need to add to take off.
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