I have a 2000 3750 which is pretty close to the same boat. I know the engines and trannies in the 3650 are solid. The hull and decks are all well built - no soft spots. Cruisers did balsa core the hull, but I've never heard of a water intrusion problem. A survey would uncover any of those kinds of problems.
Cruisers makes an excellent boat. Everything you need to get at to maintain has a hatch or access port. It is very user friendly. The boat has plenty of power with the gas big blocks. That year will likey be carbed. Nothing wrong there other than some increased fuel consumption.
The design is very well thought out and feels large on the inside. Berths are ok size. I love the bridge layout - you can easily see and converse with folks on the aft deck. Big swim platform! The dock box on the platform is convenient.
The only thing I have heard bad about the 3650 is the top isn't super strong, so don't plan on mounting anything like a dinghy up there and the canvas wing doors leak no matter what you do. There is a gap along the floor line of the aft cabin deck enclosure. If you are in mosquito heaven, that can be a problem.
I checked our database for reports on these models and found...
1996 Cruisers 3650 (CRSF08??A696): 09/20/00 Boat developed 30 major cracks while it was covered w/ dark
blue cover. Fiberglass technician states this happened because the
gelcoat is too thick. Blue cover created heat, which caused the cracks.
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