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It is very arbitrary, sure.
I think a main thing is people who describe their boats as yachts usually aren't going from paycheck to paycheck.
Belonging to a class is a matter of relationship with means of production, not of wealth. There is absolutely nothing wrong with people using their money earned through their labor for boats, especially in the case of sailboats, which are not environmentally as bad as yachts.
The problem emerges when the money are extracted from other people's labor. Plenty of people can afford a sailboat, if they wish it, after years/decades of work.
The people who are on hourly rarely have yachts. Fishing boats, perhaps. Sailboats are more rare, but the random fanatic boatbuilder? I've seen it on occasion. But yachts? Nah. That's some intergenerational wealth going there, inherited something or rich parents back loans which enable the person to start their own company to rip off the labour of others. I know a bunch of them, born with a golden spoon up their arses.
People don't get rich working hard. They get rich by stealing the profit from the hard work of others. I'm sure you know this.
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Not every worker is an hourly worker. There are people who buy summer houses, there are people who buy boats. A sailboat like the one in the article (or in the OC) not only often is rented out, it's not that expensive to buy as well.
Yachts are a different game, but I don't care about the semantic of what is a yacht, the point is, small boats, especially sailboats, are something that some people buy for themselves as a retirement "gift" or something. They are workers and they deserve to enjoy what they saved during a life of being exploited, and this narrative that as soon as you live above the poverty line you are a billionaire is counterproductive.