The old salts don't like when the nubees don't agree. So I'm going to keep this light on advice
. in addition my situation is somewhat different but somewhat similar as well.
I am 62 and decided to try sailing, something I wanted to do for a while. serious budget
limits. so... I looked for months til I found what worked for me.
1. I had to make compromises.
2. I found a good solid boat that I know needs things.
3 I made a list of things that cost big. roller furling
etc. I then prioritize and plan to add those things over the coming years.
4 I couldn't afford what I wanted straight up but I own a solid boat and can upgrade.
5 like yourself I didn't want to buy several times, rather get something I can enjoy while I accumulate funds for the next most important thing.
6 common wisdom says that you will never get your investments back. true but beside the point. the point is to enjoy the experience.
I bought a 1973 morgan
OI 33. old but well maintained by a man who owned it for 37 years. it was his baby and he took care of it. these boats are out there. I paid 10k and will pay another 10k for those big ticket items. but I had 10k to buy. not 20k.
I bought in NJ, took lessons and motored it to NC. sailed it a little but because of conditions I mostly motored. 11 days down the ICW
. fun! HARD (single handed)! an enormous amount of work
. a few terrifying experiences. I handled many issues as they came up. It is an old boat that hadn.'t been on a long trip in a long time. but I did it!
You can too. don't let the curmudgeons get you down.