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Ditto what Freesail said. 20 - 25% is probably a better budget estimate. As to the age of the boat it is strictly a function of how it was used and cared for. I have seen newer boats that were driven hard and not kept up that looked much worse than one much older. I think the minute you step on a boat you'll have a good sense of whether the PO took pride in her or not. Good luck.
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