I have to admit, pontoon boats are really good for a lot of things, including fishing. My mother in law has one, and it makes a darn good fishing boat because of the flat floor and good walk around space. The rest of the family loves hanging out and cruising on it. Downside is limited speed, so it takes my mother in law 1 hour to make it from her dock to our dock, when it takes me 20 minutes in my center console boat. And also, the pontoon boat is mainly for calm waters, and doesn't have much rough water capability, so there are times when they can't take it out.
The funny experience I had -- after buying a nice family-friendly 19' center console fishing boat that is fast, has lots of seats, a big gas tank, and a very good rough water capability, is that my wife prefers that old slow pontoon boat. She complains about my new boat, and comments about wanting a pontoon all the time. Here I thought I was buying the ultimate boat, and really what she wanted was the old family clunker.
Since my new boat is called the "family sportsman", the whole situation sort of reminds me of the scenes in National Lampoons where Chevy Chase brings home the "wagon queen family trickster". They both look good on paper, but the family is not so thrilled....
On the subject of owing a boat, I'd say do it if you will have fun. You only live once, and you can't take the money with you when you croak. Financially it's probably never a great idea to own a boat, but they can be fun. They also create lots of chores and maintenance tasks, so make sure you're ready for that.
I agree with recommendations to look around for used boats first. Sometimes you can find a gem and save a lot of money.