One consideration you don't mention is your experience. An experienced sailor can often have more knowledge than lots of surveyors with whom I am familiar. If you are confident in your knowledge and familiarity with boat construction and can evaluate condition of the various components, a surveyor will often not find what you can do yourself.
As with home purchases, which coincidentally we are going through now, neither home inspection (the one we are selling as well as the one we're buying) found many of the issues I noticed nor did they uncover anything we were unaware of.
So, it's all about your level of comfort.
Last edited by k1vsk; 09-17-2009 at 03:09 PM.