It's not much different than new vs used cars. There's peace of mind in owning something brand new with a warranty, and finance rates are generally much better when new.
Buying used, you save on depreciation (in most cases), but there's less peace of mind and finance rates are generally poorer. I would imagine that if you bought the boat from a reputable place that there'd be some sort of warranty attached to it, similar to a certified pre-owned car.
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