I would much rather go broke trying to maintain a boat, I could sail around in style until it sank under me, Jack Sparrow-style. Cars just run out of gas or oil or coolant or whatever- no style there.
ok I will take car then which in my case would be a decked out 4 wheel drive sportsmobile. Im tempted to choose a super yacht but even for free I likely could not afford to upkeep it. You would need to pay a crew. Anything small enough boat wise to afford and I would rather have the sportsmobile.
This is important; if I live on the houseboat then that seems like an obvious answer but if I can't, I'll get far more use out of a car. A boat is just a logistics problem unless it's where I live.
On the other hand, it seems like it would be much easier, when necessary, to hook an RV up to electrical, water, and sewer services, as compared to a houseboat. I guess you could have a deionized water pump, but those are super slow, like on the order of a tablespoon an hour slow. And, anyway, I suspect it's not kosher to just poop off the railing.
I figure that there are maintenance and utility hookups for boats, just like there are for RVs. After all, plenty of boats cannot be reasonably removed from the water.
A friend of mine lived on his boat with his girlfriend and their cat. Moored in Seattle. Cost him a third of my rent for moorage + showers + wifi + hookups.
Simply storing and maintaining a whole boat is way more of a logistical nightmare than I ever want to deal with for a supposed "leisure" activity. And that's before we get into the cost.
You can get a fancy and expensive car that is still relatively reliable and affordable to maintain. You can park the fanciest car in a relatively affordable parking space. At which point you can always rent it out for weddings or events, drive it yourself, earn a little extra.
A fancy boat is in an entirely different league when it comes to maintenance and mooring costs. Especially if it's on salt water.
If it's a fancy and large enough yacht, you can live on it, and offer free accommodations to people who might actually know anything about how to operate and maintain it. Rent out any excess rooms you have to get the money you need to operate things.
If it's a given that I have enough money to afford maintenance and insurance, I'd go with fancy car. At first I thought I'd go with the boat, since I live near a couple of busy bodies of water, but I'm not sure I'd want to go through the hassle of setting up a business with just one boat.
I'd take the car if there wasn't a large sum of money included. I've owned boats most of my life and believe me they cost a lot of money to keep in a slip and maintain each year. Even a "normal" boat will cost you $5k - $10k a year to maintain. A car you just need a secure covered place to keep it.
Slips for luxury boats can run several thousand dollars a month to rent. Add in 10% of the price of the boat per year to just keep it floating and in working order.
Yeah, if you consider operating costs and such, I wouldn't want to insure a fancy car either. I would just abandon either of them and hope there's no paper trail leading back to me.
In the spirit of the question, though, I would take the boat. I already have a car and it doesn't float.
See with a boat that's fancy, it's probably going to be huge like one of those superliners the rich oligarchs have. Where if you have an expensive chair, it's still going to be fundamentally a chair, so then if it's more comfortable it's still pretty small.
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