You can guess what I would suggest????? but since you narrowed it down between Formula and Baja. My cousins have a 1999 27 baja and I can say it is a extrtemely great built boat. I know they hold their value really well, However the Baja is a nice ride from what I know. I think I would go with the Formula and try to beat the price down some more. Lets face it Power boats in the 27-?? range are not flying off show room floors. Better yet go to Miami show and get a real deal.