Should I be concerned with what I described?
Since you know a little about boats, you need to take a step back and look at the things you really do know about, then add the things you could learn about. From that perspective add one more - Hiring a boat surveyor to examine the details of what they know about.
When big business spends big money
they hire folks to help them understand. Surveyors do that service
. Talk to a few and hire the one you like. You can know who you like and who you don't. If you are giving them money - get one you like. Worry about what you know. You know how much money you have and you may know how much you have to spend and all the things you might need and want.
Sellers may know and not say or they may say and not know. It won't matter after you buy the boat because it's yours! No one here can really know more about the boat than you can write. You are not sure about things BUT you want to be sure. Wanting to be sure means you can try to be sure.
For this much money - buy some advice from someone that will spend a day working at what they do most days. They can tell you the good and the bad as well as here is something to know if you were to buy the boat. Many boats are not so bad as to run away from. Ones worth buying may have things about them you need to know. I like to say look for the reasons to buy the boat as much as the reasons not to. We all want a boat we can love.
Maybe you just need to look at more boats. Looking at boats is a great experience. You won't know what you'll learn and that can be a fun thing. Getting more comfort helps. Having better dreams is not a bad idea either. It's more about why you should buy this boat rather than why you shouldn't. I'm thinking a very long list of good reasons. You could get a new oil filter
just because you wanted one! Not the bigger picture I think.