Join Date: May 2006
Location: Left Coast USA
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You cannot ignore cost of money even if you do not finance. You would still have lost revenue if you spend more. Insurance costs will be more too.
But in reality I think any discussion trying to rationalize a boat choice based on cost analysis is silly. You buy a boat because you like it and can afford it, not because it makes financial sense because buying a boat never makes any kind of financial sense.