Its a very odd and conservative world this one with plenty of misconceptions attached to it. A boat is, as you say, just a steel structure, the bit we worry about, below the water, is likely to be much the same no matter who built it, with the proviso that it has a good shape, reasonable thickness and was welded by someone better than me. That is not really difficult to achieve although there are some truly awful boats around. The bit above water is where the expensive stuff happens, proper shapes made by people who really do understand boats and have an experienced eye for boatbuilding and not just fabrication. This is where pride of ownership and kudos comes into play and where costs rise. A Liverpool boat or similar will give good service and you will get good fun out of it but adding gold plated taps and extras all over the place will not make it a Rolls Royce, its still an Astra. A boat by a proper boatbuilder will always be a Rolls Royce even if it gets a bit tired. Do you want a boat you can take immense pride in or just a good serviceable boat? Others will disagree with some / all of this. edit, Square edged gunnels are much better and safer.