So let me get this straight... At a reasonable 6% over a period of 120 months ($355 over 10 years), Your final payment in year 2019 you would have paid $52,600 for a $42,000 boat. I'm not knocking you because I don't know a ton of people have $42,000 in their bank account... But then again I don't know a ton of people with a $42,000 rig either.
:-/
you oughta see how much I'll pay for my house when it's done.