IMO, a boat layout that is primarily for a live aboard is not the best layout for distance cruising.
Folks can and do live aboard small boats. Those boats are probably not what you would consider "comfortable". At your budget, you can buy a bigger boat and spend every waking moment fixing it up for your eventual plans, or you can buy a smaller boat and spend every other waking moment fixing it to suit your future plans.
Look at a lot of boats in your price range. You won't know until you want on board what the size really feels like.
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