My mother is 71, she has lived your life for the most part(no boat living). I asked her what she would say to you and she told me you need to leave. She wishes she had.
You are a young woman (I'm 51, I refuse to think otherwise) a good life is waiting for you. Get out before he spends your retirement, injures you or brings home AIDS. My mom refused to have sex with my dad once he started having sex with men. I will add, my mom met an old friend at a school reunion and they kindled a romance, unfortunately the man had terminal cancer. If he had been a viable choice she would have divorced my dad and remarried. As of now, they sleep in opposite sides of their house, occasionally go out to dinner and mostly do their own thing with their own friends.
I just hate to think of you wasting any more of your time, energy, youth, money, health on someone who so obviously is very bad for you. Please, save yourself, get out.
All my best