Another way to think about it is this.

What is the longest run you have ever made from the ramp? Now add the worst weather you have encountered while boating. What would you rather have, and just how much money would you pay to get you out of this situation?

There is a little difference between making do with what you have, and starting out from step one. I suggest taking the right first step. Go for the 9.9. I'll get mine this fall. Andy