Re: 10K$ boat --- Are Insurance and Survey REALLY mandatory?
If you are still looking for a boat Don Casey's Book Sailboat Maintenance Manual includes stuff on carrying out your own survey.
I looked at a lot of boats before buying my current one and Casey's book helped me identify serious issues on a number well before I got to thinking about an offer.
Casey's book also tells you how to fix stuff.
Keep looking and damn the cannons and naysayers.