When you have that much dough you can do what ever you want,I think
In the Great Lakes,The St Lawrence River and into the Oceans of this little planet we call Earth you do not need any license to captain your dream yacht.
Now,having soothed your concerns about not having to hire/pay an intelligent/experienced Captain for legalities,peace of mind and most importantly ,safety for you and your non-paying passengers,NO insurance company will give you any type of insurance to ply any waters unless you are safely tied to the dock.Most harbour/dock masters will not allow unqualified captains at the wheel in thier midst because it is disrespectful of the "men of the sea" and just asking for trouble and danger.
When your ship comes in,hopefully soon,know that you can take the wheel anytime you wish.I believe by then you will hire the best lic.Captain you can find at any price because then you can enjoy your fantasy while your Captain takes care of your reality.
Welcome to the forum.
David-also waiting for my boat to come in,I dont want a ship!