Is it needed? No. Is it nice to have? I think so. While I’ve not been on a pre sv2 hull, I’ve heard that the ride isn’t as comfortable as the sv2 hull and that it can be on the wetter side. I did just purchase a 2004 GW 228 Seafarer back on the east coast in Maryland a couple of weeks ago for $26.5k, which included the boat/motor/trailer. The boat has the hardtop, the motor is a 2004 Yamaha 225 hp 4 stroke with under 1k hours and has been checked for the dry exhaust corrosion issue, which it isn’t showing any signs of, and the trailer is a 2009 aluminum I-beam trailer with bunks on it. I try to buy as new as my budget will allow as I would rather be actually out on the water enjoying my boat as opposed to constantly working on it, fixing it or worrying that something will break and leave me stranded. Just the thought of having a boat that’s less than 20 years old makes for a bit more peace of mind as opposed to something that’s say 30-35+ years old. At least in my opinion.
I think if you were to look around a bit, you’d probably find a boat with an sv2 hull for less than your max budget of $20k. And I think for slightly more than your $20k budget, you could probably get a 1998 and newer body style, which I find more appealing looking. I think if you bought the newer body style that would also help you retain a lot more resale value if/when you went to re-sell the boat as a ton of people want the 1998 and newer body style. As stated above, for your fishing needs you likely don’t need the sv2 hull but I think it’s worth the investment, even if you had to increase your budget some. Whatever boat you decide on buying, I always recommend having a competent marine surveyor look over everything first to make sure you’re getting the boat in the condition it’s advertised as being in. If you really want to pay less for something considerably older and do the work fixing it up on your own, then that’s completely up to you. I have a 1965 mustang fastback that I restored mostly by myself, that being said, everything on the car is less than 10 years old besides the shell of the car itself. And it took over a year to restore her, which is also time that could’ve been spent enjoying her. Just comes down to how you want to spend your time off, and how you want to spend your money. Oftentimes unless you get a steal of a deal, you’ll just put the money you saved on the purchase price of the older boat right back into it at some point later on down the road.