A C22 I used to own a few years back is now back on the market as per here; I sailed it on the harbour but it is well capable of sailing up to Pittwater and back in steady wind conditions less than (say ) 25kts and moderate sea states.
www.boatsonline.com.au/boats-for-sale/used/sailing-boats/columbia-22/296842I have fully refurbished two S22s in the last 25 years. Numerous are listed on line. Both would meet your initial needs perfectly as per Ramona. The S22 is lower freeboard than the C22 but probably a bit faster.
The extra length of a Tophat 25 and Folkboat 26 makes them a significant improvement to motion and seakeeping whether inshore or offshore. If you want more internal cabin space and headroom the TP would be the suggestion. The FB has a longer cockpit and lower cabin.
Of course none of these 4 yacht types are recent builds so you will need to expect depreciation issues over time when you come to sell. Good luck with your plan, let us know what you decided.