jssailem said it one way, in post #5. Capta said it another way, in post #8. Scott T-Bird said it a third way in post #10, and if I recall correctly he has the most recent experience in this arena. It is an important concept, so I am going to say it again, a fourth way:
It is always going to be less expensive to buy a boat that is ready to go do what you want to do than it is to buy an inexpensive boat and refit her to meet your needs. It's that simple. And it is ESPECIALLY true for blue-water sailing. However, for the higher price you get the added value being able to go NOW instead of years from now, and you avoid all the potential pitfalls of a years-long project, with its attendant setbacks, delays, disappointments, joys, satisfactions, experiential rewards, etc. Note though, that all of these things are still available (and WILL happen) once you are aboard and travelling. It is part of living and travelling on a boat.
Now, take it one step further. If you are spending a larger amount of money than you originally anticipated, imagine how important it is going to be to not buy the wrong boat! Or to find that you don't enjoy being on a boat? How do you avoid those two mistakes? Let's take them in order.
You avoid buying the wrong boat by doing two critical things. First, answer for yourselves (your family MUST be involved) what you will need to have the experience you want. No matter your cruising style, rest (sleep) and nourishment are critical items. Evaluate the level of comfort you need while obtaining those things. Does the principal cook need a simple two-burner stove, or three burners and an oven? Do Mom and Dad want to be removed from the kids at night? Are the kids of an age where they need their own sleeping areas? Those are the kinds of questions that eliminate some boat options/floorplans/sizes, and steer you towards others. There are MANY more questions like that to be answered. Tankage for fuel, water, waste are important considerations, and depend on the use of the boat. You get the idea.
Second, look at a lot of boats! This takes time, and if travel is involved, it takes more time, and money. It's actually time saved though, because it gets you on the right boat faster. Look at the listings of local brokers, Yachtworld.com. Use the internet to expand your reach. Interview brokers (local or otherwise) to find one that you like and trust, and tell them of your dream, and the specifics you have decided upon. Ask local sailing club members for recommendations on brokers. A good broker is invaluable, a bad one will be worse than no help at all. Get onboard as many boats as you can. Boat shows are another good way to get ideas.
As to that second critical mistake, finding out too late that you don't like being on a boat for extended periods of time. Charter a boat for a week. You stated you are "a noob in cruising". If you have enough of a sailing resume to qualify renting a bare boat, do so. If not, hire a crewed boat. It's a nice vacation, and if at the end of the week you go, "you know, it was romantic and nice, but really small, and I had to worry about water usage so showers were in short supply, I was seasick twice, and constantly worried about the kids/baby" you have saved yourself a bunch of money and still had a nice vacation. One week will let you know if you like it enough to do it again. Whether you charter again before making a final decision is up to you.
I don't say any of this to rain on your parade. I would love for you to have this experience, just as many of us have had. I just want you to go into things with eyes wide open. Sailing is a wonderful activity, and one in which not knowing what it is that you don't know can have tremendous costs. That is true before, during, and LONG after acquisition of the boat.
Welcome to the forum. This is a tremendous community with a huge amount of experience and knowledge, a welcoming attitude, and a love of sailing. You have come to the right place with your questions.
Edit to add: Note that in the time it took me to compose that wall of text, two more folks have said the same thing. Read the post from KingsGambit again. Then one more time. You can have your experience. We just want you to know that costs are paid in various currencies.