First off, thanks for all the advice!
I am a healthy and fully mobile 23 year old, so no worries there. As for learning, I will be taking a course utilizing dinghies upon my return to Oregon. All the articles I read have definitely been clear that sailing is something best to learn from someone with experience.
The reason I really brought up the multihull vs. monohull was because of the articles I read on the site by Kevin Jeffrey. I had never even considered a multihull till after reading through everything he wrote.
I do believe that a monohull will be my boat of choice, partly because that is the stereotype of what a sailboat is in my opinion.
As for a budget, at 23 I do not have unlimited funds, but would be comfortable spending up to 40K for a nice boat and some decent gear, is that a reasonable budget?