I guess I'll chime in with my 2 cents. I own a Hobie 16.I purchased it cheap and sail it in the warm waters of Rehobeth Bay, Delaware.I would not choose to sail it in New England let alone Finland . I checked out the Twixxy on the Hobie Europe site and I think thats the way I would go if I wanted to own a cat "up north". If I wanted to day cruise, I would get a monohull around 18' (6 meters?) in length with a chute for some down wind fun.