The older, cheper wooden boats are not likely to be cold-moluded. If it is done properly it is at least as expensive (if not more so) to build a cold-moulded boat than it is to build a fibreglass boat.
Maintaining a cold-moulded boat is a bit more labour intensive than maintining a fibreglass boat. Maintaing a strip-planked, clinker, carvel or other type of traditional wooden boat is extremely time consuming and can be expensive if you don't have well-developed carpentry skills.
If you have never done it before, your golden years are probably not the best time of life to learn how.
Good Luck !