I´ve wintered from northern Norway and on south, including England, Ireland and Galicia in my 40ft cat on and off since the 70´s and I´ve never had more than a 100 quid a week for everything but I´ve always been warm and well fed, and, mostly, the old dear gets painted and new gear when necessary. It´s all in the mind. Fortune favours the bold, even sailors, but she castigates the foolhardy.
We´ve never spent a night in a marina except once or twice in northern Finland, Estonia and Latvia because they were cheap and everything was included.