I think it is economically wise that you are waiting. All these people who bought boats now and never owned one before will be liquidating in the next few years. We had a great economy just before Covid and during Covid people were buying
boats and rvs to get out of the lockdown.
In the US the administration is talking about doubling the capital gains tax...what that means is if you have stocks you sell this year which may translate into a massive sell off and a market correction. I am also not seeing any booming economy in my area. Restaurants and retail stores are still hurting and slow. The new trend is work from home which means all associated business from having your suit dry cleaned to going out to lunch to automobile usage to maintaining office space will decrease and thus affecting the employment
situation. The Feds will keep interest low....but inflation is creeping up as well as the housing market may need its on correction.
Sooooo....wise to keep your money
for now until it becomes a buyers market which I believe will be in the next couple of years.
As for the time of year....depends what part of the country, but I would think early spring may not be the right time to buy...better fall and winter as people may not be using their boats but are reminded of the monthly expense..
As for me, I am 62 and I do not know how many good years I have. So I did an economically unwise but spiritually fulfilling thing....I bought my boat this past August and I have no regrets.
Just do not wait too long because you never know what could be waiting for you around the corner.