Do you have the time?
I think boat ownership makes sense if you have the time to spen using your boat. If all you are doing is daysailing and then coming home, some type of a sailing club membership makes a lot of sense. I have seen some new programs that cost about what yearly slip/storage/maintenance do. The advantage is you don't have the work, which on any boat is considerable.
If you are going to be spending most weekends on your boat and going for week (or more) cruises, then you really need to own. I think that to make owning a boat worthwhile one has to have the time available to use it. If your weekends are tied up running kids to soccer games, etc, ownership won't be worth it.
You could join a sailing club for the coming season to find out just where you fit in and if you find you want to spend more time on your boat then buy one for the next season.