FWIW, one of my several jobs is to sell boats (not Carvers) part time for a local dealer. Usually when a novice comes to me, my answer is that they should buy a smaller, newer (or preferably new) boat as opposed to a larger, older one. The reasons are (1) new boats have warranties, (2) new boats hopefully are all in one piece on Day 1, (3) you don't even know if you like owning a boat yet. I tell a prospective customer that I can't control the summer thunderstorm that kicks up out of nowhere, or the idiot in the slip next to you that sideswipes your boat, or the guest who bruises his shins falling down the ladder, but at least I can control the fact that you'll get a nice new boat that's all in one piece with a dealer network and warranty behind you to minimize your problems and let you decide if you enjoy this sport we call pleasure boating. Most people I know that have gone wrong have spent all their cash on a larger old boat with tons of headaches and never finished fixing it up, all the while it was falling apart around them and breaking down. Then the wife gets tired of it all and its all over...
Remember though that this advice is coming from a guy who's NEWEST personal boat is 27 years old. I love old boats, especially old Carvers, and would buy another one and fix it up in a heartbeat. If I could have found a nice one last year, and didn't have a heart attack, I was going to get the 3326 Voyager with the dual helm stations (I like passagemaking in all weather 'cause we go on long trips), a big galley and lots of storage. But nature intervened so we went with the 2896 instead, and don't regret it at all...
BUT, you have to know what you are getting into...