Re: 1990's Sea ray build quality ????????
Frisco..I think I could point to my boat as a reference to what you are finding. I have a 95 monterey 210 as you know, and I've also been in a 95 Sea Ray 210. VERY similar boats IMO. I think they are good solid, middle of the road boats.
HOWEVER, the comment that an earlier poster made about stringers being used as mounting points and not protecting those points, I think is spot on. My boat has 2 stringers running the length of the boat, and they were basically tabbed up the sides and onto the hull. No protection over the top..just some paint. For example, my gas tank hatch had stainless screws all the way around it, screwed into the stringers. Nothing protecting the screws, and I'm sure the rot process started the first day a wet swimmer came back in the boat.
Maybe come out my way in hot, dry, AZ. I found my neighbor a 92 Monterey 180..all original, solid as rock. Good luck and Merry Christmas