All of these are 17 footers. I would strongly consider upping your budget, going with a same year 18 or 19 footer, and financing it over 5 years. Boats don't depreciate like cars - you only use boats a few times a year, 6 months out of the year. With a car, we're familiar with them in 1 year and tired of them by 3 (or at least, I am. ) but with boats, that familiarity curve is longer. It makes more sense to stretch boat financing out to lower the payment on a nicer, newer boat.
Boats shrink in the water, and I would encourage you to move up to a 19 footer or so. The room and ride difference is palpable, and you will likely be happier with the boat longer.
Regarding the 2 piece thing, I would be VERY careful what you read about on The Hull Truth. My personal opinion is that they are elitist f*** heads with no sense of reality. Every answer to a boat is a used Bertram with inboards because they are serious saltwater enthusiasts. It would be similar to going to a Bentley owners forum and asking questions about your first or second car - their advise, while instructive, is not based in your reality. If you post any of those Craigslist boats on THT, you will get the crap flamed out of you - ESPECIALLY Bayliner.
I can go into brands if you want - I am a huge Bayliner fan and have owned 3, even from the bad years of the mid 1980s. For the money and the way they are designed for room and space, I just don't think you can do better if you are a non-wealthy working stiff. But that is another chat for another day.
Find a boat that has obviously been cared for. Even a CL ad will give you a clue - Platinum found a boat owner who cared for his boat, had a thick stack of receipts, knew what the boat was and what it was called, and in general, was informed.
I can't tell you how many times I read an ad that goes like this:
"1988 [nope, it was an '86] BayLine 25 foot Serra [it's a 2450 Ciera, and the model is on the side of the boat you twit], Vulva Pinto GM engine [It's a Volvo Penta, and looking at your blurry pic, its very obvious you put a junkyard engine in from a 1978 GMC half ton). Mint, must see!"
Clearly we aren't dealing with someone who has a proper number of chromosomes here, and I wouldn't bother looking at this boat.
See what I mean?