JRC, No matter how you figure it your 1st post that started this thread was right on. Owning a cruiser is the cheapest way to be waterfront even with boat depreciation. But it all depends on what you want, when you bought your condo etc. There are alot of things to consider. I love marina life & I know its cheaper because I am able to afford it but could never come close to affording waterfront or even a condo off the water.
All of the posters make good points & are correct in the things they posted but if cheapest is what you are looking for, owning a cruiser docked at a marina is the cheapest waterfront hands down.
Good luck
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