Well, in defense of Bayliner. I had a 21' Cuddy in San Diego, ran it in salt water, had it for 5 years and never had any problems. Ran in rough water at times too. I had a 125 hp outboard which was enough, unless you wanted to pull more than one skier on a slalom ski, then it need a different prop.
Fuel economy could have been better, but with a 33 gal tank, I just filled it up on the way to the boat ramp. I spent many wonderful days out bobbing on the ocean, reading a book, swimming, pulling my daughter on skis etc, and I really miss having it. However, in San Diego, boating is a year round activity, (I can remember many years being out in the boat on the bay for a Christmas parade of lights) here in the midwest, it's 6 months at best.
I think you should buy the best quality, biggest (for your needs), nicest boat you can, and use it as often as possible. If you scrimp, you'll always be wishing you'd bought something else......