I've never prescribed to the process that you must buy anything at a standard discount to the listed price. I assure you that those listing boats do not prescribe to any formula that sets the price they are asking. The advice to offer a standard discount stands as good a chance of still overpaying as it does that you missed a great value by not bidding closer to asking.
You need to research value and make an offer just below what you really believe it to be worth, so that you can negotiate up to that value. The percentage below asking will vary deal by deal.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.