Re: First Boat Purchase Advice
If you were in a part of the country similar to mine, I could pinpoint the boat, but there are things different about Michigan boating--primarily the maintenance issues pertaining to freezing and a short use season. Others can tell you those red flags.
Also we don't know if you are looking at a Great Lake (which is like our offshore and Bay use) or small lakes/rivers--a bass boat would be out of the question for the former, good for fishing but not family use for the latter. I'd avoid a boat that is a specialty boat (such as a bass boat or sofa boat) because it limits what you can do. For your next boat, when you find you want to do more of this and never do that, you can specialize.
Start by taking the wife around looking at boat designs--even look at new ones; go to the marinas and ramps, and picture your family in one, and you operating it. Look at the new boat's web sites and catalogues.
Start small--16-19', so it's cheaper, easier to maintain, dock and especially trailer, and store. Don't buy it so large that you can haul around your freeloading friends and relations; buy the first one for you.
Since it's a starter, don't buy new. Get an outboard. Since you are new to boating, don't get a project or beat-up boat or one that will need repair; be prepared to pay for reliability. All boats break down but if yours does it "early and often" you will lose the most important thing: family support.
Be sure you and your wife understand that there will be costs as soon as you buy it--save 20% of the budget for this. A boat is no more like a car than a horse is like a motorcycle. research your cost to title, tax, insure and store--and don't forget the trailer's costs.
Go for low maintenance--something you can just hose off and put away (during the season) without extensive cleaning and covering. This means no carpet. ever. Avoid fancy interiors and lots of padding. Your non-boating family will not tolerate spending a lot of time cleaning, polishing, waxing, covering, uncovering, and life without juice, worms, red wine and cheeto's. The point of the first family boat is fun and ease of use. A Jimmy, not a Corvette. If you want a boat you have to get all anal about, wait until the children have left you.
Like buying your first house, if you go into it educated, you will do OK. You are definitely on the right track by asking here.