Liveaboard and Cruiser
I have seen a lot of posts here asking the same question. Yours is different. First, you have cruised so you have some idea what the implications of your plan is. Second, you have a great down payment and seem to have already researched what you are planning.
An offshore capable boat is available for around 50K so you are there.
I am not a live aboard, but I have cruised lake Michigan for 30 years. I know something. Go for it!!!
You seem to have a handle on the boats - tayana is a proven cruiser. Calibers, Westsails, Sabres, Morgans, are suitable and available in your range.
Check out this boat: http://www.boats.com/sites/thehullcompany/boat?entityid=14434261&mid=2093&showDL=false&showM D=false
they call it a ''94 which I suspect is 10 years off.
I just bought an 85 and have been very pleased after one season. A little tough to handle in tight quarters, but great out on the sea. Decent light air performance.