I have to echo many of the previous thoughts.
Yep, C-Dory's are expensive; that's just the way it is. Adjust.
In 2003 I was pretty flush with army money (...thanks to Saddam) and decided to buy a new, "full-meal-deal" (DaveS/SeaShift term I think...) C-Dory. It was 'beaut and we enjoyed her for five years, 650+ hours, and countless days and nights afloat.
In May 2008 I got this wild-hair up my ... and made a Very adult, rational fact oriented, decision to sell C-Dory Naknek. Made a deal, delivered the boat (1500 miles each way!) and put some money back in the bank. I left a pile of money on the table in the process, but felt good about it overall.
I was fine for about four or five months. By the winter of 2008 I realized there was another component to selling a boat (particularly a C-Dory); it is the Emotional component. God, I Loved Naknek! It took me several months without her so realize how important boating was in my lifestyle. Sure, there were Economic, Peak Oil, and other costly concerns; but what are you going to do...hibernate? Life's Expensive; but the alternative is somewhat unsure as well. We all need to decide if we want to be in this boating game or not. If we're in - it's expensive, but think of the possibilities. If we want to play it safe at every turn; buy some books and a comfortable rocker.
By the Summer of 2009 I was in full shopping-mode. I travelled to inspect some boats but didn't find the boat for me. When Three Rivers Marine (Crystal river, FL) called to suggest that I come look at a Cape Cruiser Venture they just received, I did, and the rest is history. Was it costly - Yep. Am I happy - Yep!! ...but now I'm thinking about Possibilities, not history. There's a difference.
Sadly, we can't always pay the price we'd like for the stuff we want, but that's just the way it is in our marketplace. As buyer's or seller's we can always say No to a deal. On the otherhand, how many precious weeks, months, or years do you want to forego waiting for that Perfect Deal?
For me - I prefer to think of the possibilities! ...I'm in planning mode again.
Best,
Casey