Art H, I lived in Vancouver and my pops had property on Gossip Island. We though about commuting across the Straight in our own boat, but enough rough ferry rides made us decide not to. When a 150 foot ferry decides it is too rough to run, a 30' Formula is not going to cut it. <gg>
That said, if you pick your day, the odd trip over would be fine. I think the B.C. fuel costs are going to rock your world on any regular long distance boat commuting trips. Buying a float plane would probably be cheaper, but not as cheap as taking the ferry.
Go to BoaterEd.com and ask questions on the Inside passage thread. Good luck!