Yes, anyone can call themselves a surveyor and the accreditation isn't singularly meaningful. However, it isn't that hard to find a good knowledgeable surveyor. Folks ask for references here all the time.
That said, if you are truly capable of identifying the big stuff yourself (wet cores, keel joints, rudders, standing rigging, sails, motors, electronics, etc.) than you may be fine without one. You might get a head start by looking for a type club that would give pointers to common problems. Or, even ask here, as you didn't say what kind of boat it was.
In some sense, you are at a $5k max gamble, but that isn't exactly right. While I doubt you would put another $10k into her before you realized you made a mistake, the next buyer could realize she isn't worth the $5k you paid, if you tried to exit. In fact, if she needs $10k, she isn't worth anything and it will actually cost you money to have her scrapped. That's why there are so many abandon boats in boat yards.
Just be careful. If I were either comfortable with a $5k to $10k gamble or really felt confident in my skills, I would not get a survey. At the least, I would only have those things I wasn't confident in checked by a pro.
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In the harsh marine environment, something is always in need of repair. Margaritas fix everything.