I am an owner of luxury yacht and my yacht is one of the best in luxury and comfort. By reading your whole problem I got to the conclusion that cost does not count in case of buying luxury boats. However, many factors contribute to the selection of a yacht?
Performance also plays an important factor thus making it essential to consider long before you review interior decoration or layout. Motor or Sailing yacht?
Semi-planning hull shape or slow full displacement are another contributors. Size restrictions? Will you need access to a location with draft, beam, length or height restrictions?
Does the dock behind your home have 6′ of available water or a fixed bridge limiting access to yachts with an air draft of less than 20′? Guest carriage requirements? Number of guests cruising onboard and sleeping onboard? Maintenance issues. Are parts readily available in the intended cruising areas? I hope you are satisfied with the answer. Now talking about the cost it depends upon you which boat you want to own because the cost is all dependent upon the boats size, luxury, comfort etc. And the best thing you can do with luxury boats if not in use is you can rent them and earn handsome amount of money. Bye.