Sooner or Later (a boat)???
You state that the boat had a recent survey and you trust the surveyor. He should have assigned a value to the boat. At least my surveyor assigned a fair market value.
I might go farther and suggest that you get a catalina 22 or equivalent. You can probably get one in reasonable condition for $5000 or less. With a trailer it would be even easier to sale and take to other lakes etc. We towed a 22'' Helsen behind a light truck and this is simular to a C22. The best thing about a trailerable boat is being able to move it around. We moved ours to 4 lakes over several years and usually took it on a vacation once a year. The larger the boat the more you are stuck in a particular lake. We now have a 32'' boat in the ocean. I do miss the simplicity of parking a trailerable at home to do work. Plus to move the boat a couple hundred miles takes a week instead of a day.