Boating is not miserable at all. Lots of fun and a great way to relieve stress.
But unless you've been around boats for any length of time, you won't have any appreciation of the "hidden" costs of owning a boat, any kind of boat.
I grew up with boats. Have had one under me almost my whole life, so I do have some inkling of what they can and do cost to maintain and operate.
Fortunately, I'm exclusively fresh water oriented and currently own a small 17' outboard fish and ski boat, so the costs aren't horrid. But anything that lives in the water, like a boat, is subject to wear and tear you won't see or appreciate unless and until you actually own something like that. Water attacks everything. You'll get everything wet at least once. And even fresh water corrodes because there are electric currents created by the dissimilar metals used in boats....aluminum, zinc, steel, etc., not to mention active DC power generated on the vessel itself.
Then the upholstery ages quicker than anything else other than exposed patio furniture. Carpet craps out quickly and isn't cheap to replace. Vinyl dries out and cracks. Mechanical systems wear faster because of the damp environment. Lubricants get contaminated faster because of the wet environment. And on and on.
But would I quit boating? Not on your life. Love every second I can spend on the water. I'm just a realist when it comes to the overall costs and tribulations of owning a boat.
Oh, and gas isn't cheap either. A day spent cruising the lake can burn 20 gal. of gas easily, and that's if I really watch myself. 20 gal. at $3.50/gal....you figure out the gas cost. And that's just one day on the lake.
While all of this is true, we're also talking about San Francisco where a studio apartment in a shitty part of town is like $1500.
OF course boat fees would be higher too since it is San Fran...but you also have the freedom to just go wherever you want along the coast without worrying about traffic.