I admittedly laughed out loud.
Boats are not cheap. My dad has a 24ft center console down in the FL keys. Had to get a new outboard because of hurricane damage. The motor cost 2x what he paid for the boat.
So, that said, my father's boat has brought our family incredible joy and memories that we will never forget. Fishing with all of the grand kids under (well....not directly under...
the Bahia Honda railroad bridge while flying fish breach with schools of Mackerel chasing them...yeah, the kids won't forget that. If you think your family will get real use out of it, go for it. Just put the correct amount of money aside so it does not become a burden.