My brother in law bought one a few years back. Used it constantly the first summer, weekends the next year, and a half dozen times in year 3 at least half of which was based on "I'm paying for the damned thing I should use it."
There's a lake that has a place you can rent a boat for $100 a day. Back when I had money, I'd rent a boat once a year. Never felt the need to buy one.