I can add a third vote for air conditioning. But a lot of smaller boats don't have it, especially northern boats. Obviously you can live without it and you can add it.
But a lot depends on you, do you want a plush or a more camping experience. This can also effect you choice of marina. Money can also play in these decisions. Some marinas cost more and have rules about boat maintenance that can cost you more. Some have strict rules on many subjects some are more lax. Some cater to families, day boaters, partiers, and some have a mix.
Think about what you want from boating beyond the fun of a day on the lake, what about the rest of the day and night? Peace and quiet watching TV with the kids, a campfire, dinner at a nice restaurant, a barbeque, a few drinks with the neighbors, watching the game in the clubhouse, then go find a marina that supports that.
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