Need more info
You need to decide if the boat is going to stay in a slip. If so,what are you going to use it for, a summer weekend retreat, racing, daysailng, singlehanding etc.. I can tell you that on my 10 mi lake a 38-40 ftr. is not all that unusual. Unfortunately, you rarely see them out sailing much less even opened up. Size of toys urge I guess. Perhaps lack of crew.Overall I think 25-30 ft is the norm these days. Can hold your family and friends, provide a small retreat, some creature comforts and can still be single or short handed. If you want to trailer thatis a whole different ball game.