I think a lot of new owners do not consider the time comittment of boat ownership. One can often afford that 35, but can one afford the time it will take to keep her up and to use her enough to make the investment wothwhile.
Distance away does not need to be a factor. I know may who comutte 1.5 - 2 hours each way. For them it is a weekend getaway. I live 75 minutes away from my boat, but see her more than most owners at my marina.