Re: Boat or RV ?
We've had jet skis for a decade. And we like camping - not hard core, for sure, but we never saw the need to bring along everything AND the kitchen sink. So we used a Ford E25-/E350 as our tow vehicle, which gave us a place to sleep without huge expense.
About three years ago, we decided to upgrade a bit, so we sold our E250 and bought an E350 - then we added in a fiberglass high top, shelves, a camping battery, an electric cooler/fridge, and some curtains. We sleep on a 6" queen sized cotton mattress that's more comfy than many hotel beds, but it folds up into thirds for day storage.
We camp in camp sites with bathrooms. No need for hookups or pump stations, which means that the site fees are reasonable. And best of all - we can tow our jetski trailer (and now BOAT and trailer) easily. Storage of the van is not a problem - it stays at our house, so no additional off-season storage fees either.
We're very happy as a result - we can camp for a week, or a weekend, and it's not a hassle. DH's best friend and his wife bought a Mini Winnie, and they had $700 per month payments on it, plus everything was a hassle - storage, trailering, leveling at the site, gas costs...they eventually sold it. In contrast, we didn't sink huge amounts of money into our rig, and we're still happy with it.
Take a look at the Sportsmobile Forums - there are lots of converted vans there, done for a reasonable cost. We spent $17K on the E350 (3 years old, still had a warranty at the time) and then paid an additional $6K for the fiberglass high top, window shades, shelves, backup camera, rubber mat, curtain and curtain rod, etc. You could have a "camping van" AND a boat. The best of both worlds!
Sandi