Young people want to start with the 20'er and a big ole diesel truck. That is going to drive the market. I started like most my age, a 14' aluminum with a 25 hp tiller steer and I pulled it with a 20 year old beat up truck.
Yes insurance, utilities etc.. eat up a bunch of our disposable income. So do cell phone bills, Internet bills, cable bills. I may have had a 9.99 cable bill when I bought my first boat? I had no cell or internet bill. I have no cable bill today.
Im back in an 18' alminum in boat with a 115 4S. It was under 30,000 OUT THE DOOR. Our tax rate is 9.75%. It's light years ahead of any other aluminum boat I've had in the past.
Price is always what the market will bear.
P.S. How much is an extended warranty now? Those nice long warranties are built into the price of the EPA mandated motor technology. I bet my 115 was half the total cost of the boat motor and trailer. Then I paid another 1200 for an extended warranty. Back when boats were sub 10K I don't recall getting much over a couple years warranty. I vividly recall everyone appcepting the early V-6's were going to blow up in three years. I had a 1977 175 Evinrude for years.