Took the long road to get there and I see your point of expectant family looking to you to provide their long awaited vacation but where do you draw the line?I plan a vacation in Florida involving a charter, arrive with my family, my inflatables and 3 days worth of chicken salad sandwiches, and find I am confronted with a boat that lacks a depth finder and the merchant telling not to worry as the course is passable. Do I deflate the stegasaurus, dump the sandwiches, turn on my heel, snub the boat, and head home, or do I give in to the pleading and slightly recriminating sets of eyes on the dock and hope the charter outfit knows whereof it speaks? While consumers do have the power of "no", one must also consider the relative bargaining position as well.
If the cabin sole is awash yet the merchant says not to worry, the bilge pump is sufficient to handle it, do you still go? If one of the shrouds is parted yet the merchant says not to worry, been that way for years with no problem, do you still go? If you smell gasoline fumes in the cabin but the merchant says no worries, just run the blower, do you still go?
And it's not only safety items. If the head doesn't work and the merchant says there are plenty of shore facilities available on your planned route, do you still go? Remember, your family is looking at you wistfully. Their look might change as they're dookin' in a bucket.
From a financial point of view, if you're paying full freight you should expect full service. I think this instance goes beyond finance though. You're the captain, the safety and enjoyment of your crew is on your shoulders. Wonder how much fun the crew had while stranded for hours, what was their look then?
When it comes to the safety of my family or crew, they can eat their sandwiches at a park before I'll subject them to questionable circumstances. They don't like it, tough. If I'm the captain, it's my call.