I'm still failing to see where we don't have an affordable 20-footer...

It seems that all the F18's are in the $18k-21k range. A new Nacra 20 with an aluminum mast is in the $20k-21k range. That's not too much of an increase considering the size differences in hulls, mast, and sails.

If you want to debate on how to bring overall costs down (labor, materials, overhead), then I think you might be headed somewhere.
Seems like we're just typing to watch ourselves type.