Have you considered a previously owned boat?
When selling their boat, most owners will throw in goodies that a dealer would probably charge extra for. My 88 H23 came with trailer, outboard, bimini, sail cover, extra 12V battery, compass, VHF, depth sounder, two air horns, marine charts, swim ladder, spotlight, two decent anchors, 400 ft of 1/2-inch anchor rode, cockpit cushions, mosquito canopy, stereo and speakers, six fenders, two boathooks, four oars, extra winch handles, extra fuel cans, hand tools (including a Leatherman), a bunch of fuses, wire and other electrical spares, lots of cleaning supplies and a set of swim flippers that actually fit.I didn't mention the PFD's, visual distress signals, fire extinguisher and porta-potty because Hunter usually includes those in their Cruise-Pac. OK, the outboard was shot, and I ended up buying a new Nissan 8hp. The exterior woodwork and side windows (one was cracked) still need attention. I replaced the running rigging, got a new windex and applied new bottom paint. Total cost, including the outboard was about $7500. If you can deal with the hassle it may be worth your while. In my case, I was just plain cheap.In the final analysis, it really doesnt matter how you get on the water, just as long as you get there! Good luck!!PeterS/V Raven