Sure...you have to consider all of that...but how much you spend is all up to you. I was eating the freshest tuna poke each day...$5 a bowl at the local supermarkets. Spent almost nothing on food compared to tourist restaurants.
Now...as for the little boat...
I'm not even going to get into insurance, gas, REPAIRS, UPKEEP, launch / parking fee...then all the new gear you need to outfit a boat as you go into another species or another technique.
How much does it cost to repair an outboard? Changing out moldy carpets? Rotten wood? Splintering fiberglass? Leaking seams? Polishing the bottom for a more efficient ride? Additional trims to plane better? Trolling motor? Drift sock? Downriggers?
All I hear is cha ching, cha ching, cha ching...and the bank account goes from full to negative.
After all, among the boat owners...
B.O.A.T = Break Out Another Thousand...and if your boat is in the salt...Break out another TEN thousand(s).
Touche