I've been considering it. Sadly, cost is a factor, although I realize NOT having it surveyed could cost much more in the long run.
My problem is that it's a unique opportunity to get a boat that we otherwise could not afford right now. Hesitation could put me a year further away from boat ownership.
How much does a survey cost, more or less?
Depending on experience and knowledge of the surveyor, anywhere from $15-25 per foot plus the cost to haul the boat. if you plan to have the boat insured, no insurance company will touch it without a survey report.
Do not bypass either the survey or insurance. You can't afford not to.