I'd strongly agree with SmartCaptain's idea of leaving a fairly sizeable budget for re-fitting, upgrading and repairing the boat. It might also help to know what kind of sailing experience you have, as well as whether you and your spouse both sail or just yourself. Getting a boat that you can single-hand easily is a slightly different task than getting one you can sail as a couple.
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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.