I've had boats with and without bottom paint here in Lake Erie and the bottom painted ones were easier to keep up on with virtually no maintenance. I've also soaked non bottom painted boats for entire seasons with just a routine cleaning. Each weekend when we beached at our usual hang out i got in the habit of spending about a half hour cleaning the bottom, really wasnt to much of a hassle. If you use the boat regularly it shouldn't build up to bad and it was mostly the sides and waterline that scummed up the most. Currently my ScarabIII is bottom painted and I feel thats the best route for something that will remain in the water. It does negatively affect the value of the boat in the resale but you should also see that same devaluation in whatever you are paying for it now or at least use it to negotiate in your favor. If you are buying one thats already bottom painted you should back that into your offer not take the hit later on.