Everyone ever thinking of cruising wants to know what it costs. Some will tell you "whatever you have", others will give you a fixed amount, and then there are some like Beth and Evans that will give you categories (high rollers, moderates and simplicity). Some like the Bumfuzzles will provide their expenses as they cruised and others either don't know it or don't want to share them. Some may not know. Also cruising areas effect the expense, The US and Caribbean, and the Mediterranean being the highest, and the Western Caribbean, S. and Central America and Pacific the lowest -all for different reasons.
For the cost of refinishing a cruising boat I'll refer you to another Westsailor: Tate and Dani provide a clear list of expenses cruising. Searches with most browser often will bring up more current expenses. I begin with our first year of full time cruising (left coulumn). We actually had pushed off about 4 months prior to the end of the calendar year but we had purchased a great deal of ships stores at the best prices we could find before selling everything and setting off.
I completed this for near the first 10 years of our cruise and after that time, figure enough was enough. At about the 10 year mark we did some major refurbishing work totaling about 50k US $. Good Luck all !