I'd do an IO. Unless you buy a 4 stroke outboards are loud and annoying.

Bayliner sells a very nice 18ft bowrider with a 135hp Merc 4 cylinder with an Alpha 1 drive on the back. Brand new for about $10k with a trailer. The engine is about as difficult to work on as your average 240D, and parts are dirt cheap.

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2006 CL500
2009 C300 4matic
1969 280SE
2023 Ram 1500
2007 Tiara 3200