It is risk tolerance. For me, I haven't kept a boat for more than 3-4 years since I started boating. I could be a bad example/sample for you.
Also, I do plan on buying most of my boards at my dealer as the same return policy as the above exists. Takes the guess work out. If you know what you want, boat shows can have good deals. Use the online stores to price validate what your buying - and scoop up a deal as you find them. When shopping online, you probably know it, but beware of shipping charges.