So how close to the lake do you live ? While owning the boat is great for day long trips, quick trips to the lake can be less and less attractive. Our boat stayed in the garage 80- 90 % of the time until we got a cabin on the lake and put the boat on a boat lift. We live 12 1/2 miles from the cabin and can decide on the way home from work the weather is nice enough to run out to the lake, ski, cruise or just go to dinner on the lake. If not for the cabin we would probably sell the boat because we travel so much that it would be difficult to get enough use out of it. By the way, we currently own 4 boats, a day cruiser, a pro bass boat, a jet bike and a canoe, 3 do not get enough use even now to justify owning if not for the fact they are paid for.
What would we do ? Probably buy DVC given the prices seem to continue to increase and if we want to focus on boating rent out my points for a few years while we focus on lake trips. Good luck, either way there are options to include both.