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I'm sorry but no this is fantasy, unless you plan on everything failing in under decade to actually look after your boat takes money. Even salvaging a boat that's sunk can be very expensive.

For example, a through-hull needs replacing. Sure you could find a secondhand one that fits, but you still need to have it hauled out to replace.

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I have only very brief experience from once owning half of a 15 foot fibreglass runabout fixer-upper, but if you've got a 30 foot yacht then can't you just stick it on a trailer yourself? I feel like you're imagining a much bigger craft.

On top of that, dry docks are a common free amenity in boating/fishing towns, just using the tide to do your dirty work.

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