if you make decisions on what might happen, especially when they are very small statistically speaking, you are going to miss out on a lot of life. but I would go for something the whole family could ride in if the van died. I don't know how big your boat is but I pulled a bass boat all over the place with a minivan.
I did get a crew cab with a front bench seat so all 6 of us could ride though when I got a new truck.
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