To surf or not to surf, that is the question

Last week I was at the receiving end of a rather light-handed invitation:

"I still have that extra spot booked at surf camp. Why don't you come?"

I was then sent the URL's for both the camp and flight information.

Reasons not to go:

1. can't afford it
2. the thought of spending the better part of a week in a bathing suit in public fills me with a huge sense of dread
3. passport out of date (though could get one in 5 days for a fee)
4. can't afford it
5. not clear on the sleeping arrangements

Reasons to go:

1. hello, surfing in Mexico for a week
2. away from here for a week
3. not clear on the sleeping arrangements
4. it could quite possibly be very fun and would make for a great story

So, this is my dilemma. The sane and rational side of my brain says: "Under no circumstances do you go to Mexico to surf camp with that person at the end of October". The fun and reckless side says "WTF ---go, you idiot!! You can find the money, you have the time coming, you're over 18, what/who will it hurt??"

Currently the sane side is winning.