Any boat you buy you'll end up spending money on, so if you're gonna pull the trigger I would offer your original $12,000 if you feel it's worth that, because you'll eventually end up spending the difference on her anyway plus it's still the off season.
The money spent on a survey would be very well spent on an older hull at that price.
Would a V20 bench seat and newer power fix your qualms with your V20? If so you might save some bucks and keep a hull that you know.
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1985 Wellcraft V-20, Evinrude ETEC 150: SOLD
1979 Marine Trader 44, twin Ford Lehman 120s
2006 Panga 14, Tohatsu 20
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