Which 150 would you choose ?

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If you can afford it, you should absolutely pay for the installation to get the warranty. It's probably a grand for the install which, to me anyway (and I know what they say about opinions but hey, you asked ;D) is worth the warranty and the ability to add to it with Yamaha's extended warranty!!!!!! Not to mention, you just pay for the motor and then pick it up ready to go, no fuss no muss.