Formula all the way. I would definately think you would get the 20 G's back in resale value. I haven't spent much time on the Outlaw but I have on a 382 FasTech Formula and personally think it is one of the highest quality offshore rigs available. Just look out on the race course. Lots of Formulas and Fountains. Theres a good reason for that. If you don't need the speed go with the 496 HO's. You will probably still have speed similar to the Outlaw with the 500's and may even save a few bucks. Just my opinion. I wish I were having the same problem as you!!!