Like I said above if your living that frugally and it is working for you then seriously I think that is great.
Now for what it is worth, my boat is a 27ft 1975 aussie design.....I only read one yachting magazine, not coincidentally the only one not full of of big pretty boats.
My dinghy doesn't plane either, I consider it a good day if it floats. It USED to be a 2.4m Zodiac in it's day. It is now a shadow of it's former glory and probably only a small step up from foam
I still want to see the world one day, or a large portion of it.........by yacht. For a man of my means to be able to do that then it will have to be a shoestring affair.