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My 1979 22' Whaler Revenge is in the same state as yours. Dry for the second year as I am customizing. $10,000 boat and trailer, $3500 rail upgrades, jackplate and reinforcement $1500, misc. work from shops, $4000, motor upgrade $8000, Raymarine electronics/new wiring/auto pilot/radar $8000, teak $1000, anchor winch/pulpit $1000, hardtop $1000, on and on. My time which I lost track of. When done my boat as I want it. A used 2005 Montauk here in northern CA at $30,000 and when I am finished I will have twice the boat and feel safe and secure. The question is not if it is worth it but is this the boat for you. You have answered your own question when you did price comparisons. More power to you and do not let it get you down......good luck. My boat will never be for sale.
Garris