You have what I call; "Fish out of water syndrome"
Yes, you flopping around on the ground wanting to get into the water.
I know this very well. You got the itch and find a boat and there always those little things that just make it not seem like that the boat. I would try to pay cash. I not like going into debt, especially for something I may end up owing more for it than I can sell it.
If, you like the boat. Make a cash offer you will be happy with. If the person accepts you have a boat, if, not, walk away and look at little longer. I had a boat about 10 years ago had Blisters like a pimple faced teenager. I got a good deal for the boat. Did not spend any more money than needed and kept the blisters.
Enjoyed the boat for 3 years. I mean enjoyed, as I not worry about scratching it up or whining when I run aground. People could have fun and not hear someone telling them not to scratch the boat.
After the three years I gave the boat to some teenagers. I figured at that price they could afford to fix the blisters. They have had the boat now for about 4 years and it still have the blisters and they have a blast with it.
They laugh and say the blisters give it personality.
I really haven't made a decsion.
OK, I have. Only I reverse myself every 1/2 hour. The top 1/2 of the hour I think about how great it would be sailing this boat and introducing a few friends to overnights on the hook.
The bottom 1/2 of the hour I think about how crappy it will feel becoming the "blister hunter" and spending every available hour in the off season covered in caustic chemicals, stripping, grinding, filling and fairing or just stroking a stroke inducing sized check for a professional repair.
There is also the slightly larger brother of this boat, that dangles just beyond my self imposed price limit. I could always join the ranks of "average Americans" and take a loan for a luxury item.