You can enjoy the scenery from a john boat, but I know how you feel. I stretched this winter for a new to me 31 Formula and blew a motor mid April. I'm waiting for the mechanic to finish putting it back together and dread the repair bill. While I managed to pay for the boat outright, I will have to borrow money for the repair bill
Run what you can afford to use. What's a 38 worth if you can't afford to put fuel in it?
PS...Note my location, Hope to meet this summer.