Re: 45' + blue water cruiser
For me I think I'd choose a smaller boat to start.. do your epic cruise and if at the end of that you're still interested in doing charters look for something more appropriate. You may find your opinions shifting over time and with the experience.
For a crew of 3 or 4 long distance voyaging I'd think 40-45 would do nicely. Certainly today there are boats that size that could still handle charter parties of reasonable size for a short time. Overall costs go down (and up) exponentially with boat size...
1984 Fast/Nicholson 345 "FastForward"
".. there is much you could do at sea with common sense.. and very little you could do without it.."
Capt G E Ericson (from "The Cruel Sea" by Nicholas Monsarrat)