I know every person is different, and personal expenditures differ too. That said, 10K doesn't sound like that much money to me in terms of boat costs (relative to what many boats and boat repair jobs would cost).
That's not to say that you should just throw money away. However, I do think that if sums of this scale make you cringe - it will be difficult to deal with any boat, since sums like these come up pretty much all the time even if the boat is new and you are a DIY kinda person.
You know that boat is now, due to inflation, is renamed BOATT - bring out another ten thousand
It is a joke, but it's only funny because it is true.