Pontoon boat
A pontoon boat and a 21 ft cuddy speed boat cannot be compared "apples to apples" - two completely different boating mindsets. If you are only to have one boat, and time is a premium, and certain 'creature comforts' are important, and you need to be able to boat in most weather, then I'd suggest the 21 ft cuddy. Look around, talk to fellow boaters at local Town docks - talk to both the husbands and the wives (two different points of view, and remember, "If momma ain't happy, nobody is happy.")
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