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I guess I can't speak to the Formosa 41 exactly, but I had an Island Trader 41. Both William Garden ketches off the same plans. THe builders in the Far East all used the same plans to make many brands. Don't know what year you are looking at, but I'd say the closer to the mid 70's the better. These were strong built boats that can take a lot of serious beating. THe hulls are extremely thick in the best places. In the thinnest point in my hull, to install a transducer I found 3/4" thick solid fiberglass. No core. My ketch sailed very well in big swells and was a comfortable ride for me and the ship's cat. THe living space was big (I am 6'3", 230) and had a nice shower. It was fun to sail. at about 16+ tons, you won't be winning any races, but racing sailboats is silly anyway. At a rough anchorage, she was always comfortable when the others were moving in the middle of the night to find a smoother ride. She carried a lot of fuel, water, and provisions.
So, if you can do without all that "High Tech" BS that finds it's way onto a boat these days. And you like a traditional looking and acting sailboat, I'd say she be fine for long distance cruising without having to be a footballer or TV Chef to afford one.