There are only two ways to own a boat.
#1 Be wealthy and pay people to do stuff for you and yes you will get screwed.
#2 Be a DIY boat owner.
About the only things I contract out are
Awlgrip or bottom stripping because I hate it. Everything else I do myself including engine changes and repair work.Can I afford to pay a boat yard to do my work for me? Sure, but I figure I've saved well over 200K in the last 20 years by NOT doing it that way..
Take the boat yard estimates and ALWAYS add at least 33%!