The bandit is a pretty fast hull but not very good in the rough. It all depends on where you are boating if it would be a good choice. Honestly I think for a first boat you should probably look more into a runabout to get your bumps and bruises in. They are more forgiving and I had just as much fun in my first 17' open bow as any boat I have ever owned. Average cost of insurance and maintainence varies by a HUGE margin.