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Re: Full refit or Partial
David, I'm not sure those two lines of thought aren't "apples versus oranges".
OTOH, you're buying the best boat you can. What's that mean, in terms of budget or unlimited budget?
OTOH, you're buying a boat and having it refitted.
That's a difference, having a refit on anything, versus buying a pig in a poke.
I can understand the Pardey's point of view, and mean them no insult when I say they sound more like water hippies than "cruisers". (How many years with no showers and no head and just a dear cedar bucket?) It's a great way to go camping or whatever, but some folks don't just want to go camping.
So the way I see your choice is either buy whatever your budget can afford, now, and go. Or, buy whatever you can afford to buy and refit, for certain, then go. The trick in either case is to avoid the landmines that will keep you sucked into refitting or repairing for so long that you're either broke or out of time.
I'm all in favor of "go small go now" but even if I'm going on a "new to me" boat for a weekend, I want to put eyes and hands on it from bow to stern and make sure it is reasonably reliable for where I'm going. That may just mean "doesn't look like it will sink this weekend", that can be good enough. But if I was taking the same boat out for six months and heading offshore and out of tow range? I'd want to inspect the fuel tanks and have a discussion with Mr. Diesel about how the entire fuel system was, too. I trust diesels about as much as pit bulls, nice doggy, trust but verify.
So, time, budget, finite ends to things. Who does the inspection and refit, doesn't matter if they're competent to do it. How long or how much you allocate to it, doesn't matter as long as it suits your timetable and pocket.
I'd rather buy "stark plain jane" and add new, than untangle obsolete used gear a PO might or might now have installed or maintain correctly, fwiw. I just think it is easier that way.