Here is the deal. You have $20,000...do you A.) Buy a new boat like the Stratos 186XT w/115 'Rude or B.) Look for a good deal on a used 19-21 footer with a bigger motor?

Advantage of New is obviously warranty and dependability
Advantage of used is you get more boat for you money, but have to worry bout how the previous owner treated it and if he is hiding some issues to get it sold...

Also for those of us getting loans, you can get better rates and longer terms on new boats...,

Lets here your guys thoughts.