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I've owned several boats and I'm done with that. I now belong to a coop where I pay $650 a year and have access to a 30' Catalina and 24' C&C that I can use almost as much as I want.

There is no such thing as a cheap boat. The maintaince is a constant time and money suck.

A former co-worker told his wife, "The next time I say that I want to own a boat, take me out in the yard and spray me with a hose while I tear up $20 bills."

Is it in Bay Area?

No, but a quick Google turned up two in the Bay area: http://www.spinnaker-sailing.com/timeshare-sailing https://sailtime.com/san-francisco-bay/

You can skip moorage if your have a trailerable boat. They are very common. I personally owned two second hand Wetas, used them for a year, and sold them for a profit. It was great fun, and I would do it again. If you can get some friends together and import four at once in a single shipping container, it's way cheaper.

And if you have an engine in it, the biggest expense is time (spent trying to fix the f^%!$@ thing)