Having a boat is an advantage, sure, but choosing to take solace on the water comes with some huge caveats. The first rule about boat club is never, under any circumstances, give a ride to anyone who is bitten, bleeding, or appears moments away from wigging out on your crew. If you've played Resident Evil Revelations, you know all it takes is for one douchebag to get addicted to the T-Abyss virus, and it's goodbye pleasure cruise. The second rule? Even though you've got a nice little cushion against underwater monsters, games like Resident Evil 4 have shown us that there's always a chance some pesky Del Lago or other seaborne terror can easily spoil the trip (side-note: bring spears).
Lastly, if you do find a boat, there's going to come a point when you're going to have to make tough decisions about which of your fellow survivors gets a seat. That, and you're more than likely going to have to kill a few looters to protect your ride. We recommend painting a giant “Do Not Steal” sign to protect yourself from the latter. As for the former, we suggest holding some kind of seat contest. With bullets.