Re: can I afford to continue sailing
There are some boats moored off of Furhman blvd I think at Tift St. Not sure of the name of the marina there. THis might save you some $.
Those are the only ones I have ever seen, South End Marina?
Maybe Erie Basin Marina would let you keep it parked there on a trailer with the rig up, but you would still have to launch it everytime you used it. That would be a pain and you would end up using it less.
There are some docks over by the West Marine on Niagara street that might be less expensive, but you would need to go through the Black Rock Lock everytime you go out.
There is no easy answer for you, good luck.