You might even wait and do your cruising as a retired person clutching a fistful of platinum credit cards on a finely fitted boat filled with expensive gadgets needed to maintain your increased demands for comfort and security. But by that time you are somewhat lacking in the robust health and enthusiasm to fully engage in your long-postponed adventure. If I chose to sail as a young adventurer, poorly equipped in the material sense, I make no apologies. I was well-fitted out in health and spirit.