Thanks for the boat input guys. Don't know if this is the place for it but I appreciate the interest. Fact is, I am a bit burned out.
The big options I had were buying an old one to rebuild or build from scratch. I choose the later because every design is a compromise and finding the one I wanted would be tough.
For example, pleasure boats have way too many bunks at the cost of other stuff like counter space. Working boats draw too much water and have huge engines to feed and maintain. Low power loadcarrying displacement boats are rare. A planing boat like most today needs to plane, run it slow and fuel ecconomy is awful.
I am a lousy welder at best so wood or fiberglass for me. Old boats were made from fantastic wood but they are old and if an old house has issues, an old boat, OMG. I know of a very nice old classic free one kept afloat by 2 basement sump pumps running full time, but it's free. Yeah, free.
This is really not the venue but if anyone is curious about building cheaply from scratch it is possible. Choose a working design intended to carry weight so you can over build, easier and often cheaper. I chose natural wood, pine and fir, for the hull because it is abrasion resistant. Scratch even good plywood and it's sponge city, so you need glass and epoxy to protect it and costs go straight up. not so much real wood. The old ways stll work, heavy galvanized fasteners and many many gallons of roof tar still work fine. Oil based everything.
Most of all know the difference between a boat and a yacht, it is huge.
My Harold, named for my dad, is a Chesapeake Bay power skipjack, think of a 1900 tugboat. A 24 foot design from a library book stretched to 28, a bit over 7 feet wide since I built outside the lines, shallow vee bottom made out of 2 x 6s, A straight backwards leaning bow, 15 inches of fir stem protected by a 3 inch concrete filled steel pipe, logs will fear us and a barrel like fantail stern. A wheelhouse way forward, a cabin and open working deck behind it with an engine lifting cargo mast made from a tree.
I don't feel right about going on about it here, not an EFT subject, but feel free to send a private message if curious. Hell, I got pictures, even a facebook page.
Until another time on this in another place, thanks.