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Pros - You learn the rules of the road, a little piloting, how to read and plot a course on a chart, a bit about weather, some knots, all in all good information and you can legally run a six pack charter.
Cons - time and money.
I think the schools are the way to go, ne marine, sea school, IMHO they're all the same, go to the one with the shortest commute. These classes provide the test and teach exactly what is tested. Using your own boat you'll have more than enough sea time.
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