O/P my friend, this seems to have devolved far from your original question and concerns.
IMHO, as stated by others earlier on. Depending on how much you're willing to sacrifice, age of the boat, repairs and upgrades and equipment, assuming you've done your planning and your financial house is in order, There's absolutely no reason that you can't own and enjoy many years of cruising with your retirement income. There are others doing it on considerably less.
Good luck.
Ok, back to pimp slappin' the rich and famous...
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