If you can find one in perfect condition, and keep it in that state, it won't be so bad. But if you buy one that's been "let go" then you are in for a lot of work and expense.
Some factors to consider are: are you retired, do you live near the boat, will she be in an alongside berth with electricity available so that you are tempted to go down to her of an evening and do some work or, will you have to launch a dinghy and go out to a swinging mooring [only to find you've left the paintbrushes in the car!]
Anyway what is "the sheer joy of owning a wooden boat". If it's classic lines you want, you could go for a grp-hulled version of a wooden classic, e.g. Twister.
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