Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?
Progressive is very affordable and does not require a survey. I would not be without it. As to a survey, I did not get one a year ago and it turned out very well. What I did do was read every word of these forums for a year asking questions where needed. Plus I made a good friend in the area who was an experienced sailor. He came with me on third visit to the boat and made great suggestions. That and I went slow. If your budget is 10k shop in 6k range. Plenty of decent boats in that range out there unless you want to circumnavigate. Keep 4k back for things like repairs, delivery, and Splashing.