I would think of the $10 spent on the Dream Yacht as $5 for a beautiful, spacious personal space and $5 for a high-value furniture bundle. If you really want the furniture, then buy the Dream Yacht.
If you don't think that you need that particular furniture, then buy the Sunset Yacht (an amazing bargain in itself) and spend the other $5 on something else. You can buy the Winter Villa or another personal space that you like. Also, take a look at the 100-item bundles that give you a lot of nice furniture for $5.
I'd go for the second option but it comes down to whatever suits your needs. There are ways to get quite a bit for your $10.