I think 20K sounds a bit high for a '96. A few other boats in that size range you can look at are ......
21 Superboat, 70+ mph with a small block, could be had for around 30K new.
22 Velocity, probably faster than the Scarab.
22 Progression, definitly faster than the scarab.
23 Nova, not fast but the cabin and cockpit are roomy.