First, as far as in-mast furler: When we got out boat (almost 10 years old at the time) it came with in-mast furling. I wasn't that crazy about it, partly because it turned out the system needed some maintenance work and as a result it was very hard to raise and lower the sail. Once I figured out what was wrong (after about 12 months), that problem was resolved. I think due to the smaller sail area and possibly the shape of the (batten-less) sail, it does sail slower. (It couldn't possibly be my sailing abilities!) However, I've always felt that if you wanted to go fast, you shouldn't have gotten a sail boat. If I were starting from scratch, I think I'd spring for the extra money and get the in-boom furler, or else get the in-mast but with the tall rig. I do like the ease of both reefing and furling the main, and my wife likes it even more.
As far as cookie-cutterness (?), here's my feelings: I learned to sail on little sailing dinghies some 40 years ago. I fell in love with sailing, but always assumed I'd never be able to do it/have a sail boat because of the path I'd chosen for my life. However, from time to time, when things weren't always going so well, I'd wander down by the marinas, or even at other times when I'd pass by a sailboat, and I'd look at those boats with a feeling of longing.
Then my life took a different turn and we were able to take on the responsibilities of having a boat. Within a month of realizing that, we got our first boat, kept it for a year, sold it and got our second one.
The boat we have isn't perfect. But it gives my wife and me a lot of satisfaction and pleasure. (Even one of our two dogs likes it.) There are lots of other boats out there that are nicer, would suit our needs even better, but when I look at them - or any other sailboat - I am reminded that I, too, have a sailboat that pretty much does what I want it to do. Seeing the most beautiful, perfect sailboat in the world just reminds me that I'm able to get out there too nowadays. I just feel good looking at other boats, no matter what they are (except if the owner has really let it go to the dogs, but that's a different matter).
So who cares if the boat looks like a lot of others or not?