What would you do?

I asked the same question on malibu crew. Looking to get opinions on here as well. I recently had a newborn and thought it would be best to get rid of my boat. The minute I watched it being pulled away I knew I'd want another. A few months have gone by and I cannot stand it. Despite a very near death experience on the water, I want to get back on the water worse than ever. So next year im going to make the push really hard to get back on the water. My biggest question is what would you do? Would you buy used? Put 10-15% down and pay around $600 a month for a few years? Or do you just buy new, 10-15% down and drag payments out for 15 years like some do? I know that boating is going to be a part of my families life for forever so I'll keep it for a few years and get another or possibly keep it for a long time. What's you guys opinions?

At the junction of life your at, I would say Used... Let someone else take the new boats depreciation hit off the bat....

Life is dangerous, just minimize risk where practical while doing what you enjoy. As for the boat, I would save my pennies and pay cash for a used boat. The only sensible reason to finance a vehicle is if you have the cash to make the purchase, can get a loan under 3%-5% depending on your risk tolerance, and invest the money instead. That makes sense and is reasonable for some folks, though personally I prefer the freedom and flexibility of no debt over a (probable) marginal net gain.