The gospel is that one gets a survey done. Has anyone found this
useful, apart from your own experience looking at a boat, especially
for cheap ($10K) boat? Is it worth it to get a survey done since on a
28' boat this costs about $600 in the NY area.

I know they're legally on the hook for certain things, but most
surveyors I've talked to don't do mechanical surveys apart from a sea
trial. (On my first boat, I had a mechanic do a compression check on
the engine). They have enough caveats built into the report to enable
them to avoid unpleasantness.

Having the boat pulled from the water and looking at the hull seems to
be their main focus, along with tapping the hull with a small hammer
looking for soft spots. I have seen blistering and patching on hulls,
etc.. The also turn on and off various systems...but so what?

opinions?