I think you are doing it right Jay. I was there right with you when I was your age back in the late 90's. Enjoy it while you can if you plan to do the others(wife/kids). Because it will all go away. Wife and kids are expensive. More so than you can ever budget for. When you have kids your riding multiple times a week will stop. The first few years when they are little you won't do much. They just can't. If you have one it might take you out of it for a couple years. But if you do like many of us about the time one is a little bigger and ready for things you have another and it starts all over. I wouldn't change having my kids for the world, but it changes what you do and how you do it especially from baby to about 3. Heck price out what it costs to put a baby in kinder care for a week. Last I knew around here it was about $400/week until they are 1. That will kill alot of disposable income. Not saying you can't take a baby on the boat, but your sure not taking them all day, or when it's cooler, or too hot, etc.
So if you want to and you can afford it, do what makes you happy. It will all change someday when you have a family. Might as well enjoy it while you can.