I have a "junky" 2014 Targa V-18 (19'1") Combo (Red) and I tell guys often, this is NOT a big water boat. I Walleye/Perch fish Erie 25-30 trips a year, however I inland fish 2-3 times a week. For me, this is a great all around versitile boat. I pick days that are 1-3's or less, then the next day I Crappie fish creeks and get up into 18" of water. It is EXTREMELY stable and the back jump seats are fantastic. I remove the rear pedestal seats, flip up the jump seats (on piano hinge) that are HUGE and now there is more room than a 621 with a horseshoe. I fish 4 guys every trip to Erie. One pedestal seat goes up in the nose and I turn the front seats around. The Smooth Moves bases are a nice addition. The nose is very small (short) and this would be my biggest criticism of the boat. I only jig one guy out of the nose anyway, so for me it wasn't a big deal. If you want to spider rig two guys out of the nose you would be uncomfortable at the least. The ride is not super dry in chop, but its far from the worst. My uncle ordered/bought a Lund Pro V 1875, and the ride is not much different. The Lund is better, just not WAY better. I have $8k less in the same boat and have better electronics. The fit and finish of the Lund is MUCH better...not $8k better, but his resale will be much better. Downriggers can be mounted in the track system (with additional support underneath) and go in front of the jump seats. I run Cisco Trees to get 4 rods vertical. This makes things nice and compact. I opted for Motorguide Xi5 because it linked with Lowrance and the spotlock was WAY better than Minn Kotas (at the time)...I upgraded and bought the boat with Minn Kota Terrova, so I speak from experience. The new Minn Kotas are extremely accurate on spot lock and are better made than the Motorguide. I have 9.9 kicker with an iTroll which is fantastic especially with hunt mode enabled. I fish all year long out of this boat on MANY different bodies of water and while a 25' Carolina Classic would be nice on big water, I just don't fish that style enough to justify. I live 2 hours from Erie and 5 from Ontario and 5.5 from Michigan.
I like the versatility of my boat. One boat will not meet all of your needs, so make the decision based on what 80% of its useful life will be and simply decide on a budget. If you think you will not have the boat a LONG time, consider resale value. As for being cheaper built, sure anything mass produced is cheaper built...that's not a bad thing just ask the A$$holes at Walmart. This is my third Tracker and second Targa (last was a 2001) Loved all of them. You want a big water aluminum boat, best riding one I've ever been in was a new Starcraft STX 2050 just this year. I preferred it over my buddies 2017 621 Ranger with a 350 Verado on it. I've speared more waves in a Ranger than any aluminum boat, yet they are all the rave. (This won't be a popular statement, buts it's my honest opinion and experience). To me there is no boat worth that kind of money...to someone else they are. Also consider Alumacraft. Hull is .125 and rides very nice on big water. It is built like a tank! Arguably, for big water aluminum boat I would rank 1. Starcraft, 2.Lund/Crestliner, 3. Alumacraft then Tracker. Although, if your going for big water, go glass! No replacement for displacement
Hope this helps. It's just my experience over the 30 years on the water.