I understand your point. I'm trying to do both, put more time on the water and have a well prepared boat.

The 1/10 seems, imo, a useful increment to determine where to spend time and money off the water.

Bottom work seems the quickest, easiest way to pick up speed and is most likely to be needed. My boards also need work, they are nicked and gouged. To my mind, the two jobs are very similar and can be accomplished at the same time.