We recently started our first Sea Ray search and are finding that the boats in our area are priced considerably higher than the BUC and NADA suggested values. From the wording in some of the advertising, it's also very obvious that some of these boats have been listed for a year, or more! - Is it common practice for people to list boats for sale with a "dreamer" price? - Some of the asking prices are 50-100% more than BUC, which is higher than NADA. Is there some unwritten rule where a realistic offer on my part, much lower than the ask, is just an insult? - I'm under the impression that the banks and insurance companies work from BUC pricing and it's all on me if I pay way more. Is that a correct assumption?