which 38ft boat?
I know of numerous original Tartan 37''s that have done Atlantic Circles with no apparent problems, with one exception all of them with centerboards. But I don''t think that recommends them as any cruising is going to find you living aboard where a more spacious layout, fewer berths, more storage, and a more sensible keel choice (insofar as the early 37''s) would be preferable.
Your budget seems to be sizeable if you''re looking at a new Tartan. European boats like a Vilm, Hallberg-Rassy, Najad, Comfortina, Alubat and many more might be worth reviewing, if only to expand the baseline when comparing boats. I think the U.S. market is extraordinarily narrow in choices for folks who don''t look very far beyond their copy of CW and the U.S. boat shows.
Good luck on the shopping!