Standing in the shower tearing up $100's--that is a good one. I used to feel that way with our antique ski boat, I would spend countless hours working on it and something else would go wrong the next time out. Then I realized (well the g/f realized) boating wasn't relaxing for me anymore and I was always stressed over the boat--maybe we needed to change boats. I got my Sea Ray three years ago and have not had one problem with the boat. I simply pull it out of the garage and back it into the lake use all day and return to the garage. Best of all, currently I can sell the boat for more than I owe on it by about 5k--not that I am going to sell it. When you get serious take as many boats out on the water with the wife, kids, etc and spend some time getting a feel for each one, then decide which one you want. Have fun boating is a great experience with the right boat.
Here is a picute from a few weeks ago--water was in the 50's and only two or three boats out. Yes, I did wakeboard and I couldn't feel my feet after about five minutes, the water was just too calm not to get in and have some fun.