One thing worth reading before deciding on HP would be your home insurance policy.. some have an 18HP limit.. some 28.. some others. to cover you for liability at no extra cost under your house policy. Our 25 was originally covered, for liability, under our cottage policy at N/C (where a 30 wouldn't have been), but then a couple years later they changed their fine print to 18HP. I now pay $162/yr for theft coverage of $5800 replacement and 2 million liability for it's useage (which is criminal considering I only pay $900 for my 2150 Lund Baron and toys)