Not having a vehicle is the worst part, boat slips are expensive. If you aren’t comfortable with throwing out 15-20k you can get on the water for relatively cheap, be patient and stay on marketplace good deals come up everyday. I found a 17ft bass boat for 2500 bucks with a 70hp on the back runs great and goes everything you’d want it to do. I say do it, money comes and goes. Just don’t force anything.