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Sailboat
Make no mistake: if you're on a sailboat, you're gonna get worked. Sailing is not for the lazy—you'll be moving around a lot and working your arms like a beast. You best watch out for the boom too.
Speedboat
You're too lazy to sail, but too much of an adrenaline junkie for a yacht, so the speedboat is perfect for you. Onward, faster, crush the waves.
Yacht
Traditionally, yachts are more leisure-time boats. Many times you're going to be traveling with a crew, so all you have to do is relax. It's the ideal place to take in some sun, maybe play some cards in the shade or whatever else you can imagine.