The bottom line is, get the best deal for you .... so if you can afford to finance it, and pay interest, and that doesn't bother you, go for it. On the other hand of you can get a hardly used boat (which many are barely used here in Alberta) and have cash and therefore no payments, that's even better.
Don't settle for buying cheap, or not buying a boat big enough for your needs, that's the worst scenario no matter which way you skin the cat.
I bought a new Lund Tyee in 2013, was fortunate enough to be able to pay cash, and have used the boat extensively, and even today, some 6-7 years later I can get MORE money for it today than I paid for it ...... feels great to have exactly what I want, and be able to get every penny out of it, should life circumstances change (or I buy another boat).
Boats can be a good investment - when's the last time (outside of purchasing real estate) that you can actually enjoy something for years without loosing money.
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