That's your answer (and you already know it). It sounds like you have great reasons for a bit larger boat to facilitate the cruise in comfort -- just don't let that turn into a luxury which takes away from (or puts an end to) the cruise. There ought to be plenty of boats at or under 100K that fill most of your needs. Tayana 42, KP44, Caliber 40, Bristol 45.5 or even 41.1. Sounds like a fun search to me -- just stay off the one's you can afford!