THe assumption is that cost is a factor. I bought a 37 Irwin CC cutter rigged with center board. I paid 18.5 and added $1500. She is not fast, heals a lot, but is a motel on the water. Huge water tank, fuel tank, diesel, two cabins, good gally, lots of leaks, and was the party boat at the marina cause of the size. Irwins are not the best boat built but for the money, they are the Chevrolet''s of the water. Email me if you would like to know anything else about boats.