Hi Jendyll,
To get the treasure under the boathouse you need to get the quest for the Orb of Clarity which is a wizards quest. You can't usually get it until you go to the Serpent Temple. I queried about this too when I first began but you know you can skip the whole gypsy thing if you want to as it is not vital to the main story. It is just a side quest and did not really have anything interesting in the chest. But of course it is up to you. Enjoy the game! I certainly did and I am on my second round with different characters.
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Morningstar
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