Yacht option plans?
Is this one of the "you own it" charter programs, where you get a time allotment each year and after x years the boat is yours? If so, I have a shipmate who''s gone that route. He''s never sailed his "trophy" cuiser into the club, however, so IMHO that the boat must have gotten pretty beat up. If the program works on the money side, you have to bet that the boats are worked pretty hard. If it doesn''t work monetarily... you may get the boat - and payments - early. Definitely go in with open eyes and have a lawyer who likes you and who knows sailing and boats read the contract first.