Here is the question: "What do I get for financing 30K? Is it worth it to me?"
If I remember correctly you just upgraded to ZO this year to last correct? Your boat skis great. Are you just itching for something new? Do you want a new, clean interior?
It is nice to have the new, clean interior. On the other hand, sometimes I'm jealous of the guys with the old worn work-horse boat who don't have to be anal about the vinyl etc.
I have a boat. Same as yours. The Outback is underrated. It works for me and what I need. It is paid in full. For me, finance 30k to upgrade? No thanks.