One signficant financial consideration I have not seen mentioned yet is depreciation. If the boat is in full time charter service
then it is a business asset and can be placed on a depreciation schedule for tax purposes. Can have a significant impact on your taxable income
In the end, boats don't make financial sense, but defraying costs thru charter
use and tax advantages of depreciation certainly can help make them less financially painful.
Also lots of threads here on this subject already so search them too.