You are correct. Out of hand toys.
I had a Lear 24, but the wife made me get rid of it because it needed avionics upgrades to comply with FAA Regs, and she saw what that cost on the Cherokees.
I know my toys and I draw the red line at boats. That's what friends and neighbors are for. I think I've shuttled a hundred kids and parents to and from summer camps, colleges, weddings, funerals, and vacations all over the country over the past 40 years.
A few fishing trips come along every year as compensation. Friends......use em or lose em.