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I think you can save thousands if you keep shopping around. a 90hp is very common motor, and it's a buyers market. I'll bet you can find quality 10 - 15yr old motor for <$2K. New Englands boating season is short, most motors spend time sitting not running.
(That being said, I would get a towing service with the saved $$, and remember, never throw the bait out until you're at the dock, nothing is worse than waiting for the towboat without bait. )
Good Luck.
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