But what if money isn't an issue. I mean what if you can afford that brand spanking new Lagoon 400 with all the desirables from the options list that all the "cruising" magazines tell us we must have... And once you have it, you still have enough kitty left to cruise indefinitely and afford the upkeep (doing what you can yourself and getting someone else to do what you can't).
In that case, I am available for adoption.
There is a sweet spot between having enough room and having too much boat for you to manage. And that sweet spot is likely different for each person, family or couple. Some couples are perfectly happy with a 25' boat. Other families require a Lagoon for crusing the carib. Others want to circumnavgate in comfort, so a crewed 65' boat is the only option they will choose.
The type of cruising you want to do plays a role. If you want to gunkhole, then draft becomes an issue. Circumnavigation? different needs. Determine where you want to go and how you want to go, and find the boat that best suits YOU.