I agree the purchase price is only part of the bigger picture.
I have probably spent as much again on other costs over a decade. For some people the running costs including marina fees must exceed boat purchase costs in a few years.
The odd few thousand for a good boat is not a lot these days.
Economies can be had by DIY servicing which I find enjoyable / good experience too.
I do think there has to be some compromise as a boat with no defects and full service history and reasonably up to date nav kit almost never exists .But if ut does exist it may well justify a high asking price.