I don't know how old you are, but life is short. If you wait until you can afford to pay cash, you will never own a boat. Not a decent one.
Don't buy a "Fixer Upper" either. You'll be sitting on the hard while your wife watches you work on the boat, weekend after weekend. And it will cost you more than if you just financed the nice boat. And you might loose the wife.
So finance a nice boat and go sailing with your peeps. You won't regret it.