Looking at floor plans for Princess Yachts. it seems like 50' yachts do not have crew cabins while anything over 55' has something in the back. The 60-70' yachts seem to have two beds for crew. So is that the cutoff? I think the 50' boats are a couple of $ million. Can you afford crew if all you can afford is a smallish yacht? Or are people in 50-70' yachts hiring only part-time? If I owned a smallish yacht, I'd probably just learn to drive it myself.
Princess F50 - no crew accomodations

Princess F55 - one crew bed

Princess R62 - two crew beds

Princess Y78 - three crew beds

Aquaholic tour of the Princess Y78. He mentioned that this is probably the upper limit for not hiring a crew. I guess you have three more guest beds if you don't hire a crew. He also says this boat costs about £3 million which is ~$4 million.
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