I'm on season 3 with my '99 X22 and am right there with you guys. I'm 32 with very little mechanical experience, tools, and frankly ability.
I bought the boat in pretty bad condition and have worked hard to get it back to a reliable and fun to use boat for my 2 little kids to grow up on. I've replaced spark plugs, oil, impeller, exhaust hoses, learned to fiberglass cracked mufflers, learned to winterize, and fully replaced the bad gauges. I just had a tire blowout on the highway and replaced with new wheels and tires, and had to fully repair a damaged fender.
Long story short, this stuff may seem elementary but to me its a big deal. I've put a lot of time and effort into this thing and learned a ton along the way. Its been a great investment and experience and I value the boat way more than something with an insane monthly payment. I think its a design that holds up well after 21 years and I'm proud to own it.