Some people forget the enjoyment you get doing a fixer upper. For me it is more of a hobby. Besides, spreading the expenses means you did not spend the 15-25 K all at once. Sail the boat all you can. Meet other owners and share information. Right now you are discovering all the ins and outs. I know that I will never recover hat I spent. I have sailed mine to Culebra, St. Thomas, St. John, the BVI's, spent time sleeping aboard, raced her, won a few. Sailed in races with winds over 30 knots and 8 ' seas. Not a problem, safe and only a lttle bit wet.