Free: Contests & Raffles.
Never been in one although I know someone who has one and he likes it. But for $24k and change you have a buyers market out there on used boats of all types like never before. Most with low hours and all the toys already in the boat...i.e. GPS/Fishfinders, downriggers (most spendy electric), VHF....etc., etc., etc. You can put another 5-10k in a new boat easy after you buy just it getting equipped. A Yamaha T8 kicker is 3k just by itself.If it were me I would shop. That's what I did in April and got 3 times the boat for what I spent. Deals are out there...go look. I don't think you'll regret it.
The reason there are so many Ruger upgrades is because they're necessary.