We bought a 1983 Hunter four months ago. Even though we now know that the hull was in good condition and the bottom paint was holding up rather well, we still don''t regret having payed for the full survey including the haul-out. It was about $700, and it was worth every dime just for the peace of mind.
BTW, based on the way the market has been going, it was the best investment we made all year. ;^)
~ Happy sails to you. ~ _/) ~