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10K a year is less than what I spend on the upkeep of much smaller sailboat. Granted, I am still in initial years of owning her (and may be at some point the number will stabilize, though considering list of projects I have - not soon). That said, in my experience cost of maintaining a boat for me follows this forumla (YMMV, this is just a guesstimate)
Annual cost = Const * (length ^ 3) where Const ranges from about 0.2 to 0.3 (mine tend to run high but I think it may get better in later years).
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