possibly gettin a boat today?

Im goin to look at an 2003 20' Moomba Mobius LS today. the only thing it doesnt have is the wake plate. It has ballast system, wake tower. Im new to boats like this ive been wantin one so bad, i keep telling myself i gotta save money but im selling my streetbike today and if i like this boat im going to leave a deposit. is 20,000 to much to pay for this boat with 450 hours on it. it looks clean from the pics. only thing that blows is i cant really test it out and take it for a ride since the lake is frozen. and will having no wake plate make a big difference. im just starting to wakeboard alot. i started behind my beat ass 89 larson so i think anything would be better.