That's a 2nd reason it's my most expensive toy - I average throwing as much money into it each year as a few of the other toys in this thread cost.   Just had to replace the starter on the motor.  $430.  The marina opened at 9, verified my diagnosis by 9:05, had the new starter sitting in the back by 9:10.   And, at 9:15 I heard 4 words which a boat owner never wants to hear the mechanic say.   I don't recall the four words, but I do recall my two words: "oh shit."  To avoid shearing off either of those bolts, the block had to be heated, etc.   10 minutes of labor turned into 3 hours of labor.   Had the bolts sheared off, it meant pulling the block.   And that meant a very, very expensive repair for the time.    
1pm, I was skimming over the lake at about 50mph with the wind in my hair - it was worth every penny.