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It sounds like you really need two boats, one to learn the ins and outs of sailing and one to go voyaging on. If you care about becoming a skilled sailor then an offshore cruiser makes a really poor platform to develop sailing skills quickly. I would suggest that you start with a used, small (under 30 foot), responsive, inexpensive, fin keel/ spade rudder sloop and that you spend every moment that you can spare sailing and reading.
And while you are learning to sail, I suggest that you spend as much time as you can sailing with others on a variety of boats. Offer to assist in deliveries and any other excuse to get sea time.
Ultimately, I would suggest that you then start to look for a solid offshore cruiser but by that time you will have the experience to know what will appeal to your tastes, and goals.
In the budget range of a Morgan IO 41, I tend to personally prefer modern offshore designs, designs like the Valiant Espit 37, Cal 40's, Wauquiez Hood 38, or even the more extreme lightweights like my own Farr 38, that are at the smaller, lighter end of the spectrum. Others lean toward heavier, longer designs, boats such as the CSY 37, Hughes 40, Whitby 42, Hans Christian 38, Tayana 37 and so on.
Neither of these viewpoints is the only correct answer for your needs. Only you can define those and you can only do that with experience under sail on a variety of boats.
There are a variety of discussions on this forum on what makes a good offshore cruiser. They contain a lot of good information. You might search and take a look at them.
Respectfully,
Jeff
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