It's always a great time to be buying a boat
r u planning to do any fishing or is this boat for cruising and boating?
as it's a buyer's market, there are many late model nice boat to choose. But dealers would love to shed some excess lot inventory too so pricing will likely be agressive for a new one (i prefer a late model used as many very lightly owned can be found for nice prices).
I'm not too familiar with chaparral but i think the boat is aimed at the fresh water market and not sure how well it would fair in a messy coastal condition.
Any boat is a compromise, u just need to figure out what is most important and most used function and go with that.
Consider how agressive the bow entry and deadrise needs to be for tackling the conditions you will encounter. The relatively long runs to the channell isles in "decent' condition is no place for a 20-25' lake boat, the 'stable/flatter hull' will pound the family to bits.
What $ range do u have in mind?