I built one boat that I fussed over and meant to be pretty. The rest were tools and function pretty much trumped everything else. To be honest I enjoyed the tools more, not that I minded all the complements I got on the pretty wood and varnish of the one that felt I had to baby. It was fun that people always wanted to take pictures or honked horns pointed at it and gave thumbs up.
On the other hand, the rougher tools with latex house paint over luan or pine ply still got complements if the design was nice and the workmanship reasonably clean. I know that even a 16' rowing dory that was knocked together from cheap materials in a weekend and painted with house paint got a ton of complements. I guess it was mostly the pretty lines of the design, but there were no glaring flaws.
I build musical instruments and like to make them with beautiful fancy wood with amazing figure and beautiful finishes. The difference is, I think, that the fancy wood and finish in a musical instrument doesn't impact how you use it. A boat on the other hand is likely to require a lot of care in handling and maintenance if it is to retain a high level of finish. I think another difference is that I can use small amounts of wood that I get from a local guy in the form of slabs with amazing grain for a great price for building instruments. I have to mill it from the rough slabs or planks, but I get really fancy wood without spending much.