Good Boat to Learn on Under 10k?
You seem to think that a cruise keel is safer than a fin keel. It is not. Normally the manufacturer gives a bit more weight to the cruising one to compensate the fact that it has a higher center of gravity.
In the end they have (normally) exactly the same effect in a boat, regarding stability.
The difference is that with a fin keel you can point a little more to the wind and with a cruising keel (shorter) you can anchor near the shore or have access to shoaler waters, and that''s all.