SS,
Again, in the olden days, a lot of guys had to build boats to make their living fishing, ducking, etc... because they had no choice... they couldn't afford to pay for the labor quotient involved in a brand new boat.
I've discovered in very informal research that a homebuilt boat - upon completion - is worth the cost of the materials, when the boat goes up for sale.
So, in sum, building a boat is a labor of Love, and if you don't have the bug, then don't do it or you'll be unhappy throughout the whole process. It's thankless from a dollars and cents perspective. I guess it's like learning an instrument, it's fun to play, but who the hell is going to actually pay you money to play it? ; )
There is a shizzload of boats and motors for sale at bargain basement prices now... it's a great time to buy a boat.