The quote sounds about right if your plan for boat maintenance is cheque writing.
But there are other durable, attractive solutions that are fairly easy to do if you are a bit handy. Easier to keep clean than vinyl or cloth and hides the wiring as well. Here's a link to a good how-to on headliners. About halfway down the page.
Atom Voyages | Nicholson 31 Refit
As far as keeping an eye out for leaks from deck hardware, if they need rebedding it should be done properly and then you are good for several years minimum.