Budget max to buy is low $100k's. Annual budget would be in the
neighborhood of $25-30k.

Annual budget of 30K for a power boat isn't much unless you plan on not
going very far. If you juist tie it in a slip, that alone will probably
cost you 6K per annum. Low $100k's doesn't buy much of a power boat either.
Maybe an old 32' trawler.

Your "about to retire". I wouldn't try this on the cheap especially at age
60+. I am 60 and live on a 2003 Beneteau 473 sailboat on the Chesapeake Bay
with my dachshund Beaurgard. I actually cruise in my boat and my average
expenses per year, are a whole lot more that 30K. My boat insurance alone
is 3K and I'm a licensed master with over 40 years of experience who has
never filed a claim and has no hits on his license.

I think you really ought to rethink this.

I wish you the best.

Cap'n Ric