What type of cruise?

This is a question that someone like me, who has absolutely no idea about cruises, would ask, if they were sitting in this sea side cafe.

In front of me several yachts and sailing boats parked in Marina Zeas in Piraeus, 

but my mind was also runnimg in other type of boats, like the river boats or river hotel boats found in other european countries. 

I am not sure I would like a luxurious cruise with a 7 star hotel type of ship. This cruise is for old millionaires and I am just a young girl full of life and joy :P. But since I am somewhat independent, not millionaire though, I would like a cruise with a small yacht, 

or would I enjoy it more with a sailing boat?

I would like to combine a beach club holiday with a sailing holiday, me and my dearest friends! As I have said before I have not been to Greek islands a lot, except Rodos, Lesvos, Corfu, Evia, Crete, Lefkada, Siros, Tinos, Thasos, Aigina, Poros, Spetses, but I would fancy a cruise to Cyclades with a small yacht. Or it would be better with a sailing boat? Cannot yet make up my mind!

The truth is I have already been on a half hour cruise with this boat above and I have swum in this sea (Korinthian gulf) thousands of times! 

ps photos found in the photo sharing site www.imgeater.com