I marine finance guy I know told me he was financing lots of boats for 1st time owners. One story stuck out to him about people rushing to buy boats.My gut feeling is that once the cruise lines and flyaway vacation market pick up (shortly after N. 3rd) we will see a deluge of For Sale signs going up on these RV and boats and motorsport toys. Why? Those who may never have had these toys will realize (or the Significant Other will) that this is NOT what they thought it would be or that they can't do both the toys and the cruise/fly-away vacation at the same time.
Time will tell.
He financed a 35 ft. Formula for a guy who was a first time boat owner. After closing he asked the new owner - so, you have some boating lessons lined up, right? "Nope, I don't need them." On the first trip, with his family, the owner decided to head to Fire Island. In some heavy wind. Upon arrival he had a lots of trouble docking and did the typical new boater trick of adding more power. He basically pinballed around the dock smashing into boats, and doing a lot of damage to his boat with lots of gouges on the sides. The boat was put up for sale right after that.
I have no way of knowing, but my guess is the boat was the idea of an overconfident tough guy, and after the crash his wife wanted nothing to do with it.