Yes, that area of BC is fabulous boating! Only one navigable river that I am aware of though (Fraser).
Personally I think the 10% figure is not that accurate. It’s probably not bad if you are talking about a $50K to $100K boat. However, I am on my third boat and haven’t used anything like 10% for maintenance.
I do agree that you should hold back a reserve when you buy the boat. My most recent boat was in very fine condition when I bought it. I did spend some substantial $ adding a stern thruster and having a door created in the side of the cockpit.
Good luck on your journey’
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