i would go with the later, the second a new boat leaves the lot it depreciates dramatically, the best bang for your buck is to shop around and find a good used boat that has been taken care of and one with a good motor. if you are willing to drive there are some amazing steals on ebay i see all the time, infact i found my boat on ebay. shop around, know what you want and figure out what the going rate is then find the better deal.