I'm sure either way would work. Are you keeping the boat after the year? Will you be able to use it? (When I work I can't sail).
A year is not very long. I thought it was but now that I've done that I see that it isn't. If you sail most weekends and can get the boat set up as you like before taking the year off that would be different. Money can only buy so much time.
If I was in that position now I think I would not buy a boat. I would charter. You can spend less money chartering boats for a year, sail in more locations, sail different boats and then when it is done no more expenses and back to real life.
Have faith that the oceans are going to rise and flood the world, that plague and pestilence brought on by Climate Change is going to punish us for not believing. Please do as they say it is our only hope. :P