Charters are great to learn spots/technique. You'll learn a bit about boating too, but who wants to learn about boating when you can fish? If you've got any buddies with boats in the area you'll be boating, that would be my suggestion, pay for their fuel and get some OJT. A coast guard auxiliary course is always helpful too. Lastly, just remember 'red right return' and you'll know more than most on the water.
good luck, if you got the $$ and the time, go for it.
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