And Naive I am, no doubt. Very much wet behind the ears here. I've always been an Airplane guy and I can't imagine the costs of yachts can be scarier than aircraft (home of the $670 nut and bolt). I see them both very similar. Requires good, dedicated and disciplined training, taking it serious like a professional, etc. And really, the CA property costs on the coast is what's even driving this fantasy. I don't want to rent, but I'm not going to pay over a million for 1200sq ft for a home. I think the third option is a boat. Since we don't have kids, it's not like we need a yard to play catch or to dig for worms or string up piñatas for a birthday party, you know? On the insurance, is premium dependent on time in type, school attended for training, or? 4788 looks to cruise at about 15 knots, what is the fuel burn per hour total for those twin diesels? 1-2 mpg? Do these large boats require annual inspections? Is it prudent to dry dock once a year and have a mechanic go through it to find the squawks to be fixed? Thank you both for your replies. I appreciate it!