You are correct
Riva and Hinkley boats are towards the top with respect to quality and materials
Regulator, Scout, MTI, Cigarette, Wellcraft, Viking, A2, Cruisers, in the upper middle category
Carver, Marquis, Chris Craft, Boston Whaler, Grady White in the lower middle category
Then there are the other 80% of the boats such as SeaRay, Rinker, etc all vying for a price point
The only difference between a SeaRay and Bayliner is the few basic things like quality of thru hull fittings, choice of vinyl, and the amount of plastic
Most boats are designed to look pretty to get the sale and be of just enough quality to make it past warranty while lasting about 15 years which is their design life