Welcome to Sailnet and good luck in your search.
I recommend that you spend a bit time on Yachtworld.com and start drooling over the pretty pictures of all the pretty boats. Then go and visit a few of the close by brokers and get on board as many boats as possible. Then you can narrow it down a bit.
With your budget you should be able to buy a nice boat is 'sail away' condition. Don't worry so much about specific makes and models, as long as your are looking for a 'coastal cruiser' type boat, they are all pretty much the same. The big three manufacturers are Catalina, Hunter, and Beneteau. The Catalina is not fractionally rigged, but I don't think that makes much difference. I have never heard a sailor say anything like 'damn, my boat is almost perfect, I wish she was fractionally (or mast head) rigged.'
Some things to consider are:
Do you want more sailing performance or more comfort?
Do you want more comfort when sailing or at anchor
Is there shallow water where you sail / anchor
/ explore, or deep water?
I guess that's enough or now.