I'd point out that for the budget you've got—$150-200k, you could buy a new Gemini 105Mc catamaran and fit it out as you like. It'd have at least as much space as a 45' monohull, and be far more comfortable at anchor. They also have very good resale value...
As a multihull guy, I had to suggest this.
Thanks for the comments but here is a little more explanation. When I say "new" I am not really talking about new. I think of it like this... I can buy a 10-15 year old boat and spend at the top end of my range - 275-300k or I can buy an older boat and spend 150 -200k adding 30k - 50k to get it ready. As far as more than 1 year sailing. Our plan is to instead. Buy the boat and move on her shortly there after and rent the house. Since we own the house we could continue to work for 1 year and rent the house. This would allow us to continue to save a lot of money per month. I estimate in 1 year we would have about 35 - 40k to go sailing for one year. Continue to rent the house while we sail pays most of the monthly payment on the boat loan and we use the 35-40k to sial for a year coming home after the year or when money runs thin. We simply pull the boat in and find jobs again and decide if we want to continue. I suspect we will since we both met each other 15 years ago while sailing and this has been our dream for a while. Maybe after 1 year we have much more experience and we save for another year that takes us over to the Pacific. Anyway I think you get the idea now. We are not rich and we are not retired. We are in our 40s, have no debt and want to start cruising. This seems to be a reasonable plan. There are other ways, I just thought I would post this plan to see what people thought and to see if anyone may have done something similar. Seems to me it could be a good way to go.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.