The NYS DMV has toll-free phone lines and a good web site, I'd suggest checking both and see if the answers you get agree with each other. Local NYS DMV offices are sometimes unfamiliar with boats and create problems, so make sure that you know what the rules are, and have the right paperwork, especially if you use a location that doesn't handle a lot of boat traffic (i.e. NYC
NYS treats the vessel differently, depending on whether it is a motor
vehicle (has a permanent engine) or not. IIRC, a motor
vehicle MUST be titled in NYS.