..... do you have any idea of how much stability you loose in a water ballast v.s. a swing keel?....
First there are 4 different 26 foot Macgregors that are water ballast. The first was the 26D, displacement hull with a dagger-board. Next was the 26S, same basic hull as the 26D but has the swing centerboard. Both of these have limited headroom with the pop-top down but standing with it up and where are you going to walk around to anyway with these boats?
Next came two models boat people love to hate except the owners that have the high HP outboards and can plane and pull the kids/grand-kids on tubes or wake boards or even skies. The X was the first with a swing keel and 5-11 headroom and the M was the last Macgregor built (now Tatoos) with a dagger board and 6 foot head room.
The X and M have much more interior room than the D and S but don't sail near as well. The D and S have PHRF ratings in the 210-220 range and are faster and sail better than some of the boats that have been mentioned above. They will sail in very light air also. Now about your question about stability. The water ballast boats tend to be more tender initially but then stiffen up about 14 degrees or so. If someone is uncomfortable with that then it is a problem if not the boat is not going to capsize. A number of D and S owners have tried to knock the boat down intentionally and have for the most part failed. A couple got there momentarily but the boat rounded up and popped right back up without taking any water aboard with the high gunnels.
Ruth and I bought a 26S and neither of us had ever sailed and lessons weren't available here in canyon country. We had no problems ever with the boat or feeling safe in it and some of that was in extreme conditions. We took the boat to Idaho, Colorado, Canada, Utah and Florida with trips of over a month on the water continuous. Sure the boat is not huge below but we loved it and that was an asset in some cold weather times with the pop-top down and in hot weather with it up and air to everything below. The boat does have an astonishing amount of storage under the v-berth, the lazarette and other areas. With just the two of us on-board we could provision for a month on the water without having to restock for food, water, gas or to dispose of human waste. That is pretty good for a 26 foot boat that only weighs 1800 lbs. on the trailer empty without the 1200 lbs. of water ballast. Of course with all the mods we did our trailer/boat weight is probably about 3600 lbs. vs. 2700 for how it came from the factory.
We chose the S over the D mainly for the swing centerboard. Since the boat will run in 18 inches of water if you hit something the centerboard swings up and so does the rudder so it is really hard to hurts something and that is big if you are sailing new waters to you that your aren't familiar with. One nice feature is....
...you can beach the boat, which you can't with a lot of other boats. Also it is very easy to launch...
...even at times with no ramp. We always took our time getting in the water since we were....
...provisioning for longer trips but a lot of owners are in the water 30-45 minutes after getting to a ramp. The rigging stays attached except for the forestay and you have an easy to attach gin pole for raising using one of the jib sheet winches. Crank the mast up and pin the forestay and you are ready to go in the water.
Take a look at the promotional video for the boat....
https://www.youtube.com/watch?v=ZFP3QA9-5GI
I'm not saying this is the boat for you but for us we loved it and I'm getting her ready now for hopefully an extended trip starting back in Florida. In hind sight we shouldn't of bought our bigger boat that we didn't get a chance to use but worked on for 2 years. 2 years that we could of been taking more trips with the Mac. I'm selling the Endeavour but not the Mac anytime soon. You can find lots more about the boat and the trips we took by following the links below.
Good luck on your search for a boat that fits 'your needs' and BTW our boat came out of Phoenix, you in AZ?
Sumner
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Our Endeavour 37
Our MacGregor 26-S Pages
Our Trips to Utah, Idaho, Canada, Florida
Mac-Venture Links[/FONT]