Tinned, or marine grade, is when the strands of wire are silver colored instead of bare copper. Bare copper turns black around water.
Many factory boats use simple crimps, with or without tinned wire, so I'd start by checking connections first. It's unlikely that they are soldered because the CG specifies that solder should not be the only method of making a connection. So any soldered connection has to be crimped too, and few manufacturers do that.
FWIW, 4-5 years seems to be about the time when lots of new boats start having connection issues.
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