I can't help but think I can build my ship here at a far lower price than 4,000,000 RMB. Of-course, I am excluding the cost of labour and time, but, from rough calculations of the remaining costs, I am arriving at a far lower number.
[...] I truly cannot understand how you keep coming to the idea that it would be cheaper to buy a ship than construct one as the numbers I have seen clearly refute the claim.
How large a proportion of the total cost goes to hull materials depends on the vessel. If you build a six hour canoe, then materials cost may well be the majority of the cost. If you already have the necessary tools and workshop, and you enjoy the building process itself, you can even count it as all the cost.
Not being a naval architect or boat builder, I have to go by what I read, so crosscheck what follows with other sources. For a vessel the size you are talking about, the hull materials are likely to be less than 10% of the total cost, depending on material, design, and building method. There is the cost of all the systems a large vessel needs: engine, lights, electric system, plumbing, heating, cooking. That can easily cost more than the hull. Labour for both hull and systems is likely to cost more than materials. Then there is the rig and the sails. You want to largely automate a rig that few people have tried to automate. There is a cost to developing those systems, testing them, discarding some, and trying again.
If you do the work yourself, you may not count labour cost in money, but you do have to count it in time. The point of the boat is to travel with your family. If you spend ten years on a second full time boat building job, you will hardly have a family life, and by the time you're done, they may not know you well enough to want to come with you. Then there are the tools, and the cost of the workshop. Even if you don't rent, you have to heat and maintain what you have. That costs money.
Search for information from people who had boats custom built and break down the costs. See how much the hull materials are as a fraction of the total. From the labour cost and hourly wage, calculate the working hours, then double or triple them because professionals will be more efficient than you, and some jobs are just very slow without additional hands.
Boats depreciate quickly. That is bad if you want an investment, but good if you want to get on the water cheaper than buying a new factory made or custom built boat. There are enough second hand boats that building something yourself is rarely cheaper. That only pays if either the building is its own reward, or if you absolutely want something you can't buy. So you have to ask how much that row away factor matters, compared to the money and the time.