So....I bought the 5 yr old boat over new in 2020 before things got out of hand. Interest rates were low and I didn't have to finance for +20yrs. This was a huge factor for me and now after a few years of ownership and self maintenance I'm still ahead.

Pros: kept money in your pocket, still having fun, don't get too excited over spills/crumbs/etc., used extra money for boards, vest, ropes and lake vacations.

Cons: No warranty. Having to fix yourself or pay $$. Missing tech (pro side less to go wrong) wear and tear from previous ownership.

As said, power train is not a concern. These things are rock solid and easy to work on (hard to reach sometimes). The hull, interior, and electronics would be my warranty items if at all. However it's your money. Do you want a new boat with less luxury or a gently used one with higher grade items? It's the Toyota vs Lexus question....good luck!

P.S. I want a Supra after having my Mojo.