Is this your first boat? How old are your kids? We’ve been looking at a Supra Sl and Nautique G23 - also our first boat. But we have now decided that given it is our first boat we are now looking at a Moomba Max or Mojo to make sure the kids enjoy it and the wife and I like it before forking our $130K+.
I don’t consider 4.5-5% cheap financing - that would be sub3% which I don’t think you can get on a boat financing today, otherwise I would rather just pay cash.