Comparing Formula and Cobalt and trying to decided which one is not going to be easy. Both are quality boats, and if bought new should last for a long time. If you are buy used, it comes down to which one appears to be taken care of better. There are obvious signs of how well a boat has or hasn't been take care off.
I think in all likely hood your debate will come down to, color and options. Versus worrying about the fit and finish. Both MFG stand behind their products.
What I would suggest, is to look outside the lakes region if you are truely interesting in getting a boat on a trailer and have the means to move it, yourself. I find the prices model for model, drastically different once you move out of the New England area....
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Life is about how much time you can spend relaxing... I do it on an island that isn't really an island.....
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