How long does everyone finance their new boat

Just curious if anyone goes for the 15 year boat show finance plan to swing payments on some of the spendy but awesome boats. I went 15 years and then immediately refinanced to 5 years. I wanted more boat, but couldn't see 15 years and couldn't afford more on 5.

I went for 120 payments, but there is no penalty for early payoff. I prefered the lower monthly payments should I ever get in trouble financially. With that being said, I've been making double payments which lowers the principal by the amount of the extra payment each month. I should be done in 4 years if all goes well.

I financed mine for 12, but will have it paid off a lot sooner. My last boat (malibu), was paid off within 3 years.