My boat is in the water 10 times a year, on average, and it sure is closer to 4-5 months of the year if that.One purchased with cash available. I have no appetite for taking out a 5-10 yr loan for 9 month/yr usage tops IMHO. For example sake, $85,000-10yr loan at 4% would be $860 bucks a month payment, each and every month for 120 months. $18,000 in interest over that time frame, thus paying back a total of $103,000! For me personally, writing a check for $860 in those months when its friggening freezing out would be a tough pill to swallow. I'm getting old! haha as there is no way in hell i personally would be spending that amount of dollars as personally it would not pen out for me. To each thier own however.