HS and SD said it well. They are beautiful but if you can't or are unwilling to do the work yourself and can't or don't want to pay to have the finishes maintained then do yourself and the boat a favor and buy a plastic boat.
Be prepared to devote some of your time or money to maintenance whether you buy a wooden boat or a plastic boat.
If you let your varnish go you will find it necessary to wood and refinish. If you keep up with the varnish, applying periodic maintenance coats and touching up the occasional ding, varnish is not too bad. Break the work down into manageable segments and have the discipline to keep up with it.
If you can't do that then pass and go plastic.
I do my own work and enjoy it but it's not for everybody. Some things are worth working for though!