Relatively few boats are actually fully equipped for long distance cruising. If you add windvane SSB, Epirb, and liferaft, you get say $12000 US. Radar may be say 2000, the chartplotter past it say 1600. You may need a new dinghy and motor, as what goes on davits isn't necessarily suitable 2500. You also need offshore flares say $400. You are likely to need rerigging as it should be less than 10 years old say 4000, and the chainplates probably need doing. Those prices are approximate as there is some variation and also odds and sods mount up.
You are also likely to need one or two new sails, say 3000, and maybe a couple of solar panels say 1200. Total say 27,000. Forgot haulouts surveyor fees say twice and maybe bottom paint, say 3000 plus.
Costs of travel accommodation etc say 10000. 6 months off work allowing for shopping fitting out sea trials and a fast no delays trip say 25,000.
Obviously you may save many of these things by getting a fully equipped boat, however some of those in effect abandoning a voyage may well have chosen the boat and gear unwisely eg a 20hp motor in a 20,000 lb boat, or in a more used boat it may require a new engine say 14-20,000. It would be harder for you to doas much of the work as you might because of lack of time, and tools.
Delivery someone said was around 25000 plus.
Duty and tax is roughly around 20% on the cost of the boat plus the assumed cost of freight even if you sail it yourself.
So if the boat costs 60k US your total costs may be of the order of 160,000 AUD all up.
But if the boat costs say 120k your total costs may be around 208K AUD.
For that you have a better equipped boat than one you would normally buy locally for coastal cruising. The question is do you need a fully long distance cruising boat.
Note that the extra costs are either much the same ie travelling loss of wages for an expensive boat as a cheap one, but fitting out an older cheaper boat may cost more and be disproportionate to its ultimate value.
This suggests to me either finding an uncommon well fitted out boat which is not worn out and that it is better value to buy a more expensive boat. However you may have to have more cash than you think. You also need to be able to get the use out of it. So a three month delivery doesn't go far in meeting that.
How much you should take into account loss of wages for time spent on what is to some extent a vacation is debatable, however you may still be paying expenses at home, mortgage, insurance, phone etc, as well as extra travel expenses while losing income so it could count for some but not for others.
Trust that helps. Bottom line it depends.