A boat is not something you want to "own" and let other people trash when you aren't on it. If you don't want to spend the money to buy a boat or can't afford it you should go charter somebody elses boat.
Owning a charter boat is like marrying a prostitute.
Twenty years from now you will be more disappointed by the things y%^&*.....oh never mind. 90% of the people on sailing forums already use that as their signature! I'm not a conformist.