I wouldn’t discount a good 2nd hand boat. Not sure what issues you’ve had in the past - but how old/many hours was on the 2nd hand ones you bought?
Stick to low age/hours and get a mechanic to do a *pre inspection and you’ll save some coin. I hunted around for 6 months before I bought mine - had 13 hours on it and paid 60% new cost. I haven’t had a single issue yet (now 250 hours in). I know people who have had more drama with buying new. I get buying new, but with homework, looking in the right places (sub 30 hour renegades pop up every month) and with some patience you can save a bit of money if it’s tight.
Also - if you haven’t done so, spend some time in a tinny before you comment, big difference compared to glass, make sure youll be happy.
* I didn’t get a pre inspection done with mine. When I was looking, The marine mechanic was booked out for 3 weeks so I said I’ll wait for that, or drop another 1k and I’ll get today. Had a service done 3 weeks later, mechanic said this is the newest second hand boat he’s seen.