I was not implying dont inspect the hull or that if you see stress cracks, don't worry about it. I am saying dont worry so much about the age which the op specifically mentioned. Typical issues around here would be the transom and rotting flooring. Flooring typically rots because they left it out uncovered. Transom issues are typically the result of hitting something with the motor running down the lake. Both are relatively easy to spot if you know what you are looking for. I have bought and sold allot of boats over the last 40 years and never heard anyone mention having the hull inspected by a marine surveyor but I don't live along the coast. People just inspect it themselves. I would not hesitate to buy a 20 year old boat hull. As a matter of fact, I own one now. I would be far more concerned with the engine. You should always test the compression before you buy and that's not a 100% guarantee the engine doesn't have issues.