You are forgetting to mention a few items that are a given when buying a boat. You have to haul out at least every other year (this is a charge by the foot). You will have to bottom paint the boat during that time.
If you like to tinker you will have plenty of opportunity. My boat was in very good shape when I bought it but I still added Auto Pilot, Did some woodwork, made some canvas for it (had bimini, dodger, and connector but needed winch covers etc).
When you own a boat, there is always work to be done. You will be washing the boat, doing improvements and upgrades, fixing stuff that goes bad (marine environment is very hostile), finding new projects, maintaining exterior wood, and the list will go on and on and on.
If you are on a limited budget you may want to try and get a smaller boat. There are people that have done work-ups on boats and how much they cost a year per foot for maintenance alone. The cost is up there. Right off the top, every year, I spend $1500 for slip and $400 for insurance. A haul-out for a week to do bottom paint is $400 (blocked, powerwashed, etc), Bottom paint is $150 a gallon (mid-grade stuff), and that isn't including the other maintenance that you do (1 quart Cetol $40, Sail repairs, engine repairs, oil changes, raw water pump impeller changes, zincs, batteries, etc, etc, etc, etc).
Figure out what you need in a boat. Figure out what you WANT in a boat. After you do that, then start shopping and only look for boats that fit those categories. It is best to spend some time aboard these boats as the only way to get a feel for them is to be on them.
You haven't mentioned what your purchasing price is either. Keep that in mind. Search sites like
www.yachtworld.com and put in the parimeters that you want and see what is out there.
Good luck, but I agree with most on here, find something that will work for you, not something that you will have to work on constantly with no end in sight.
