Pardon the pun, but you and I are in a very similar boat. I also work a lot so I understand how stress from life can really drag you down. I would say if you're interested in kayaks to look into the ones at Dunhams, just be aware that you will be limited to going out on flatwater lakes and slow rivers. If you don't want to go that route check around online there might be places around you where you can rent for fairly cheap.
I know this isn't a forum for bikes but I used to be an avid rider and I feel I should speak up. That being said I wouldn't give up on your bike. Is a Wal-mart bike going to be able to go down single track probably not but with care it should be fine on Rails to Trails. Just keep in mind that they do need to have cables and brake pads replaced about once a year but those are cheap and can be done at home. Hopefully this helps on that front
The good thing about the kayaks from Dunhams is they're fairly simple (I own one of the Pelicans) so there isn't too much mechanically that can go wrong with it if it's taken care of, unlike a bike.
Cartop Kayak Carriers
Kayak Motor Kit
Custom Greenland Paddles
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