I own a boat (20' CC) and while I do love it, it comes with some serious costs. This is in no way a post pushing you one way or another, just what my costs are. But for me, it costs:

$500/yr property tax
$35/month insurance
$200/year Sea Tow
~$25/week gas
$500/year maintenance.

My boat is a 2014 with roughly 250 hrs, so it's still fairly new and requires minimal upkeep. I am able to store it at my house on its trailer and my neighborhood has its own private landing. Prior to moving here (last summer), I stored it at a storage yard for an additional $50/month. Also, the purchase price - my boat cost me $40k (boat/motor/trailer), which most people in this sub are probably heavily against. It was however a great deal (sticker price was in the $60k range). I put down $20k and financed the remainder over a 6 year loan (3 years later and I've nearly paid it off). My payments are something I weighed heavily, but also knew how often I would be using it and that it was something that wouldn't break the bank for me. I could have paid cash for it, but got a great rate and I also looked into boats in the $10k range, but decided against that after comparing age/hours of those vs new. I came very, very close to pulling the trigger on a 17' fishing boat about 8 years old for exactly $10k before purchasing the one I did. If you go with a $10k boat, prepare for something in the 7-10 year old range and with several hundred hours on it. Even my 3 year old boat has required occasional repairs, but it's fairly easy to work on and I've been able to complete most by my own. I live in a southern seaside environment and get to use it nearly every weekend, 9 months of the year. If I lived anywhere that restricted my use, I don't know that I'd own one, or at the least don't know that I'd own one as expensive as mine, but that being said I do love it and cherish my time on the water. Just yesterday I got to take some friends out and show them some islands they'd never seen and teach them a bit about boat driving - they completely loved it and those moments are worth their weight in gold. It isn't cheap though and any boat comes with considerable time and cost investments. Lastly, your vehicle - I would sway you against pulling a boat with a Chevy Malibu, especially if you have any thought of using it in saltwater. That's a smallish car with limited tow availability - I'll be honest, I don't know what it's capable of, but it surely can't be much. With me, I already owned a Chevy Tahoe with a hitch, so no vehicle considerations were needed. Had I been limited in something like that, I don't know that I would have bought one, or I probably would have switched vehicles. Have you looked into any of the boat clubs in your area (Freedom Boat Club or similar)? I'm completely against that idea from my standpoint, but certain people, it would work for and you may fall into that category.