Probably the most miserable and also expensive thing one can do, is buy a “new” boat and then realize you don’t really like it or it doesn’t fit your needs.
It is amazing how one’s thought-process changes over the years. I started with one of those “smoky” and loud 2 stroke outboards. Went to a Volvo I/O and then moved to a Merc I/O and stayed with Merc for years, ending up with a 7.5L, Bravo-3 outdrive. Then I moved to twin diesels inboard and had it for quite a few years. You will have more vibration with I/O or inboard, than the newer 4 stoke outboards I now have.
During my last boat, I bought a 12’ dingy/fish boat, which happened to come with a 4 stroke Yamaha. I had more fun on that “dingy” than the main boat and I abused the crap out of that Yamaha, running it into rocks, sand, and mud. I fished and beached that thing everywhere! Yea, if any saw some idiot fishing off WCVI and you were trying to figure out what kind of fool would run that far in such small boat, it was probably me! You just didn’t see where the other boat was anchored.
When I got my first I/O, I swore I would never go back to an outboard. After the diesel inboard, I swore I would never go back to either, outboard, I/O, or gas. Then when we decided downsize I started looking at wants and needs and taking in consideration performance, maintenance, and upkeep. Yep, what do I now own – twin, gas, outboards, and they are Yamaha! And, yes they are hanging off a Conquest 295 but, I didn’t have to win the lottery. I just found someone that wanted to move a boat!
Btw… IMHO the maintenance and upkeep on I/O is a more, just keeping the corrosion out of the engine compartment can be a full time job? The newer 4 strokes are so quiet you will hardly hear them run. And, if anyone thinks working on those Merc’s & I/O outdrives are easy and cheap, that has not been my experience. The ones I have owned were not as easy or cheap to maintain as my 4 stokes! Just for the record, a new 7.5 “long block” can run as high as $5K? A new Bravo-3 outdrive is closer to $8K (been there done that one - warranty). Then you have mounting and installation? Yes, I know you can buy them both rebuilt and cheaper, but one doesn’t have to replace an outboard “new” either! I know I can get a “new” head for under $5K, without even looking it up.
Moral… they all have “pros” and “cons” and always will have! Just find a boat you like and fits your wants and needs, and don’t worry about the rest of the crap! They are all just as good or bad, as the case may be - they just have different names!
