Mr. R. IF you are thinking of simply "holidaying" with the eventual move to purchasing a boat I would VERY strongly suggest renting some boats way before you make the financial commitment to ownership. There are companies across the country that rent out boats so you can pick and choose your cruise-cation location.
Think of the $$ spent as an investment in your education.
Edit: I was astounded with "Lake McIntyre" when I visited our daughter on campus. Yes, steelhead/rainbows...and me without my fly rod. Dozens just cruising around. In the 5-15lb range.