I'm in Minnesota. There is a fleet of Hobie 16's on a lake that is fairly closeby, but I'm kind of under the impression that they're not as high performance as I'd like. On most lakes in my area the clubs have an open cat fleet. The secondhand f18's that I've found are around 8-10k, which isn't out of my price range.
An H16 is not as high performance but gives you lots of bang for the buck. I don't know what your experience level is. An F18 with the small suit of sails is what I would recommned to someone that could handle it. The F18 is very high-tech (read complicated). Hobie and Nacra both make a nice F18. H20's, F18's and I20's are popular in that area.
Mike Hill