One thing to keep in mind is that maintenance costs escalate rapidly with length. The rule of thumb I was given was costs double for every five feet. While one could debate that figure one thing is very clear is that moorage is by the foot and I've seen many marinas where the per foot charge increases over 40'. So if a 36 meets your needs you'll save money over the long run vs a 42. But make sure you're comfortable with a 36 otherwise you'll be wishing for a 42 every time you see one.
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