Too many toys? My solution = keep dinghy, trade in the Mog and Merc, look for a workhorse family estate; The Volvo V70 td. A 2005/6 year model might set you back about £5500, punches 180bhp. has six gears and driven wisely returns 45/50mpg, tows a boat or caravan, has boot big enough to sleep in, is built like a tank.
