The OP asked about Cobalt/Formula comparisons.
We have owned 4 Cobalts, 3 of them purchased new. In 2001 we looked at new 25' Cobalts and a 26' Formula. Based on a number of different considerations, we purchased the Formula.
Although very happy with the Formula (NOT Mercruiser), I believe Cobalts manufactured in the 90s to be better built than the Formula. The Formula is a sweet boat and we have not had any structural issues, but when you really scrutinize out-of-the-way places, the Cobalts really were superior.
Both brands are quality products. Other boats can't compare, in my opinion.
Peter
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