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It just adds up & adds up. Spares, flares and 20% over-run from whatever you initially think any project or purchase will be.
Easier to just take your checkbook and bank account and empy them into the shredder. That saves car fuel to and from the boat. ;-)
Your numbers don't look far off. $10K for maintenance should be plenty. How much you can do yourself is a huge factor. Hereabouts we used VC-17m (freshwater) and that is a self-applied product that can be sprayed or rolled on; so for me bottompainting is a $175 annual cost or less.
Do you have to haul & drop the mast seasonally & re-launch in the next season? Pump outs, fuel fill-ups (we've had years with five gallons of diesel!)
Then there are the unexpecteds. Joker valve for head. Backing down on your own anchor line. Seagull strike on anemometer. Joker valve for head. Winch handle dropped on binnacle compass. Another freakin joker valve! "I thought YOU tied off the dinghy!" Bosun's chair after curious nephew unclips main halyard. "I thought YOU tied off the other end of the anchor rode!" Joker valve - that's it, that Jabsco GOES!" Glow plug. "Weren't both of your boat shoes drying on the deck?" Winch handle goes "bloop".
I'm surprised no one has mentioned that B.O.A.T. = Bring out another thousand.
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Charlie P.
To travel hopefully is a better thing than to arrive - R.L. Stevenson
I suspect that, if you should go to the end of the world, you would find somebody there going farther . . . - H.D. Thoreau
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