Only we adults need large, complex boats to have fun on the water.
True, true. And people with bigger boats may actually get out on the water LESS because of the complexity. However, all else equal, a bigger boat will be safer in rough conditions. The trick, IMO, is to find a boat that meets your expectations of safety, comfort, complexity, and expense. Every once in a while I will hear about another voyage someone has taken in the kind boat I have (a Bristol 27). The latest was a B27 for sale that had been through the Panama Canal.