Buying a water-access cottage

I've been thinking about the reluctance most people show to buy a cottage that is water-access only. I've never fully understood this, so I thought I'd explore some of the pros and cons that we've encountered.

Pro

• In our neck of the woods, water-access properties are often $50,000-$100,000 cheaper than their road-access neighbours. This is huge.
• Our boat trip to the island is relatively short. It takes less than 5 minutes to reach the cottage from the Marina. I think if it were longer than 10 minutes that might annoy me, particularly if it were raining or very windy and the lake was rough.
• We're able to fit everything we need for the weekend into a cooler, a Rubbermaid bin or two, and a few baja (watertight) bags, which fit easily into the boat. Even supplies for a week are manageable with a single trip.
• Once you've moved in and are settled at the cottage, there's very little to cart back/forth. The first year can be rough with larger-than-usual trips as the junk leaves and new items appear.
• You're less likely to "pop in to town for something" on a whim, so you're forced to stay put and relax.
• No unexpected guests. Except chipmunks.
• If you're especially hardy folk, you can over-winter on the island by stockpiling supplies and hunkering down during ice-in and ice-out. 
• The quiet on the island during the week is heavenly. (At least it is for us - we have lots of neighbours. If you're remote, you'd have quiet weekends too!)
• In all other respects, having a water-access cottage is just like having a road-access cottage. It's all a question of how to you get there.

 Con

• If you need to move something large (lumber, mattress, couch, fridge, table), you're kind of hosed unless you enlist the help of someone with a pontoon boat or rent a barge to carry your big/heavy things. That said, just this weekend we saw a fridge crossing on a pontoon, and a sectional sofa crossing on a motor boat. We've even seen a small cement mixer and bags of cement cross in an aluminum boat with about 2 inches of freeboard! (what happens if it gets wet!?!)
• If you're doing MAJOR reno's that require heavy machinery (well, septic, levelling the cottage with new I-beams, etc.) you've got to get that equipment/crew onto the island, which will cost you more than the same job on land. Ditto for having your septic emptied.
• If your boat breaks down, you're stranded. Learn the number for a water taxi in your area, keep a battery charger on the property, and have a jerry can of gas as back up, just in case.
• You typically have to pay for a slip at a marina to store your boat/park your car.
• You're not easily accessible in the event of a medical emergency.
• You need to plan more thoroughly for your weekend, because heading back and forth to pick up forgotten items is a nuisance.
• You can't easily get there in winter (though if you have a 3-season cottage, I doubt you'd want to. Brrr!!! Some people will cross the lake in winter, but I'm chicken.
• You're more at the mercy of the weather. You watch forecasts/radar maps a lot more carefully because you don't want to be leaving during a thunderstorm. (Zot!) Suddenly you're all too aware of the difference between 15 km/h winds and 30 km/h winds.
• Resale can be tough, because people balk at water-access properties (silly, silly people).