In my experience; allow one-third of your budget for thepurchase, another for refit/repairs and the last for first season expenses.
I used a Venn diagram of sorts to winnow the list to manageable, then went on to find boats that fit within those parameters and budget. Patience will pay off . Buying the biggest you think you'll need (for a while
) and can handle (at first) might avoid a case of "foot-itis:
It's out there!
Best of luck