I like to be in the water April 1st, and out Oct 31. My club is in the east end -- there's an initial equity chunk, I had to buy a proper cradle, and a fair $50/mo clubhouse minimum. But the annual is quite reasonable at $70' and includes sprong/fall lift/launch and winter storage on the hard. I can also leave her in, the club is bubbled, but I don't see much value in that.
I'm thinking about trying Ontario Place next summer. Apparently, a small cruiser docked cruiser downtown can fetch $100-150/night as an Air BNB. 3 nights will cover my gas bill on the weekends.
I agree a sailing yacht could cost more in the long run. Fuel is one consideration, then maintenance and broken stuff. A good sailing day finishes with a stop at the chandlery for things that I broke or wore out.
Since switching to power, I do spend more on fuel, less time working. I also dropped the spending on watches, footwear, and jackets, food and bev. It's OK to serve hamburgers and beer at sea on a powerboat.