I've seen the 21' Panga with the cuddy. A friend in Destin, FL bought one about a year ago. It's a nice boat. The wood trim is beautiful, but it's all varnished. The hardware is all stainless, and the hull looks,feels, and sounds solid. You gotta be 5'9" or taller to see out the windshield when you're standing, though. I'd put a step box in front of the helm. Max HP is 115 on his boat, and the transom is 20".
He paid just under 22K for the boat, 90 hp motor and a cheap galvanized single-axle trailer. He got a 90hp Yamaha 2 stroke.
The 20' Seacraft copy with stainless and fioberglass T-top is only $12,988 INCLUDING shipping. You'd be on the hook for your own motor and trailer.
Or Become a dealer and get two for only $9,888 each.
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Common Sense is learning from your mistakes. Wisdom is learning from the other guy's mistakes.
Fr. Frank says:
Jesus liked fishing, too. He even walked on water to get to the boat!
Currently without a SeaCraft 
(2) Pompano 12' fishing kayaks
'73 Cobia 18' prototype "Casting Skiff", 70hp Mercury