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I used to own a Sea Ray Sedan Bridge, 340. It cost $200 a year to wax the bottom. $600 to paint it with a life expectancy of 3 years. Break-even. At one point I considered selling and got a survey which showed a high moisture content in the gel coat/fiberglass. After drying over the winter, I had it painted, and that helped keep the moisture content within acceptable limits. Trailer or valet boats are less likely to have higher moisture content. Smaller boats are less likely to be surveyed, so you may never know moisture level.