NightOwl-- I did say at least 15-20%...
Of course the key is to buy a good boat at a good price, and remember that it is usually far less expensive to pay for a boat in good condition than it is to buy the same make/model in poorer shape and refurbish it to the same level. When refurbishing/repairing a boat, you're paying NEW BOAT prices for most of the gear, parts and material you buy, unless you're lucky enough to find it in a consignment shop.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.