bljones, despite my initial post, believe it or not, your comment is similar to my attitude up to this point. I was really OK with the engine breaking down - I was glad that it happened to the captain and not me.
We got the engine working last weekend (the starter) and, with the help of everyone here, I was able to figure out that it was the damping plate that had failed. So, I was OK with having to replace that, and even having to replace the transmission, but the marina's feedback was really just crushing.
As Chef said, I was OK with having to put money into the boat. But I was REALLY hoping to do that on my own timescale, not right away, before we even had a chance to take her out!