[bestfriend]

I would say you did it the right way, Denise. Or at least a more rational way. I thought otherwise about my situation, was trying to fit too many variables and "what ifs" into my first major purchase. I still don't really know what my sailing goal is, but I do know that I would have been better off with something a little smaller, and paid in full, for the time being, until I figured it out. I consider myself lucky that I bought a good boat.