Most of the research recommends that the best combination of price and power is at 75% of maximum rating. Will this boat get you fishing? Yes, so long as you stay on small lakes and never have to worry about beating out a weather front. Will you be happy, with that motor a year form now? Probably not, and upgrading later is waaaay more expensive then what you can negotiate when you purchase. Lots of good hulls to choose from out there. I personally am a Starcraft fan. But Starcraft, Smokercraft and Sylvan are all owned by the same company. And those in the know say that Smokercraft makes some Legend hulls. I've never owned one, but the two or three folks I know that do , they like 'em. Its just that power issue,
Personally, I'd upgrade the motor to at least a 40, if not a 50,and compare to the used market,
And don't settle for what they advertise or offer. Ask for what you want at the price you are wiling to pay (within reason)., It may take several dealers, but patience has its own rewards. The deal I ended up shaking on was turned down by four dealers in a row,
Whatever you decide, good luck, and share your new toy when she comes home