Hi jmbbop
It depends on how you will be using the boat. If, like my wife and I, you want to spend every weekend aboard it, I wouldn't even recommend considering a cruiser without AC. (In most cases, the AC is a recerse-cycle heat pump, so you get heat as part of the package).
If it will be primarily a day boat with an occasional sleepover, AC isn't quite as necessary.
As for retrofitting an AC, there are carry-on units that work well (if you have a strong back). You can have a marine AC installed, but it is a lot of work to do it right unless the air ducts are already in place. It would cost several thousand dollars to do that by the time you were done.
Silver Duck
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