Amorous but frugal seniors seeking a night to remember might consider booking a boat on the Bay. There are a variety of alternatives at every price point but a cost-effective one is Clay Bell’s 37- footer anchored in Richardson Bay. Amenities are minimal- a king-size foam bed and a twin propane burner. Lacking electricity, it’s romantically lit with candles and lanterns. Bring your own victuals and champagne. Prices start at $185. Book at 415-879-5428.