Well, I guess you got the idea
Here in California the cost of keeping a boat is so high it makes the purchase price almost irrelevant. In my marina a 30' slip is $503 a month, $6000 a year, a $25,000 boat loan is $200/month, $1200 a year. So $4000 from you and $25000 loan you buy a $29,000 boat that is ready to sail without major expenses. It's $1200 mostly tax deductable dollars a year more, tricky math, I know.
Anyway, remember your prime objective is to go sailing, not learn to "fix" sailboats.
Like women, houses, and cars if it takes all your money and time every month you are going to get tired of it before too many years pass.