Pics from last weekend on my shit box.
Pfft, set inside and watch TV all day then.
I picked up an ugly 22' fiberglass cabin cruiser with a 302 mercruiser for free of CL in 2011 and have been using it as much as possible ever since, even now that I've got two kids we still have it on the water every chance we get. I ended up rebuilding the transom last year so only got out 3 times because the transom took me almost the whole summer. We probably average getting out once every week and a half during the boating season up here. I think we've put about 300 engine hours on it since I drug it home. We do a lot of big lake fishing (trolling and bobbing) with it, we usually sleep on it at least once a year, take it for recreational dinner cruises down the canal. It works great for us and even factoring in doing the transom last year, it has been a stellar return on investment. I'm not saying this is the right boat for everyone, it certainly doesn't have enough power to ski behind (yet), goes about 35mph at full chooch. My point is that you shouldn't avoid having a boat because you think you have to spend a lot of money on one just to get on the water. Get something cheap and see how much you use it and figure out what you want.
I've probably put $3000 in fishing equipment into it (new chartplotter, riggers, rods, etc.) and I spent $2000 in materials and ~80 hours doing the transom.
Having a place to store it out of the weather is important. I built a drive through pole barn for it a couple years ago which has been awesome, just pull through when you get home and it's out of the weather. I think I had around $2500 and a couple months of working in the evenings building that.
You can't rent a boat like mine around here, but even if I could I probably never would just because I hate renting. We can leave all our stuff on board, pull it into the barn, and it's ready to hook up and go straight to the ramp next weekend. It's not worth enough $$$ to be spendy to insure, I have a $12/month policy for the 5 months of boating season from progressive and it's surprisingly well covered. 3 years of registration is $115. Gas is the only other cost, but if your biggest cost on a recreational vehicle is gas, you're doing awesome. Mine probably get's 3-4mpg cruising at 25mph which doesn't really add up to all that much $ in fuel, most of our trips are under 20 miles on plane per day. We probably burn 15 gallons of premium in the boat and 10 gallons in the truck getting there on the average day fishing. You really have to look at it in smiles per gallon.
On second thought, yea owning a boat may not make much sense :D