Take the money you would spend on the boat, put it in a pile and set it on fire. Congratulations, that will be your only loss. Take that same money, buy a boat and your losses have just begun.
Just do the math - how much do you currently spend every year on boating? Why do you think you will save money if you now purchase a boat rather than continue on as usual? If you plan to go boating more - what’s the projected increase cost of renting for the uptick in your boating hobby? Again, how would buying a boat work out to be cheaper than the projected expense? It is very unlikely you will save money buying a boat, ever.