Just my opinion but if you only can use a boat 10 days a year, I think you probably come out better just chartering for now. Then maybe buy something 7 or 8 years old when you are ready to retire and use it more. We pulled the trigger and bought a used boat this year that is in a charter fleet, but that was after we finally made room in our lives for 4 - 6 weeks a year on the boat. This was after 12 years of chartering 1 or 2 weeks a year. The used boat let me get something that I could pay for and not worry about covering the loan payments. I don't like the idea of borrowing money on depreciating assets.

So far so good, looking forward to my next trip down in 3 weeks.