Am I crazy?

Howdy, been lurking for a little over a month and figure I would post up.

I have ZERO boating experience other than canoes and rafts. Never driven a motor boat. Wife has even less experience. We have 3yo and 5yo children.

After spending all summer sweating my balls off we went to one of the local lakes to chill. On the way home the wife looked at me and said "lets get a boat". Now I have wanted a boat my whole life but location and money have always squished that dream. Well currently money is good and lakes are only a couple hours away (close for me).

I have spent the last 5 weeks reading every forum and watching a many videos and even calling a few dealers we have decided to purchase a v-drive this coming spring. We are waiting till spring for financial reasons(have my down payment tied up till february) and the fact that the season is pretty much over up here(Montana).

Our price point is going to be around 30-40k and I will be spending the winter trying to decide on the boat. As of right now the surf side of the sport is the most appealing to us so that will influence our decision.

All my friends think I am crazy to just jump into a sport but I am just bored of losing all my other hobbies and so far they are still leaving the lakes open. I have no friends with boats except for jet sleds for river running.

So if you were 32 and bored would you jump in head first? What are the chances of me killing myself? Am I going to regret this? Money isn't an issue if I lose some, I just want something I can take my family and have fun for a couple hours on my random days off.