Re: inboard vrs outboard
Having come from an OB to an I/O...
We loved our old '83 evinrude. It was a 115hp on a 16' open bow. All we ever did maintenance-wise was make sure there wasn't any water in the gear lube at the end of the season, drain and refill gear lube in the spring, and keep gas and oil in it. Over ~12 yrs never one engine problem that I can recall.
While running an OB - I'd always been around other family members boats with I/O's, and because of my draw to wake sports always wanted a bigger boat with an I/O.
About 4 yrs ago we bought a 19' 1989 Sunbird with a 4.3L OMC.
We did have a lower unit break down a year in, but that, we believe, was due primarily to poor maintenance by the previous owner.
Consensus is the Mercs and VP's are both much less likely to have the drive problems OMC's are known for (however, ours has been trouble-free since the repair).
We've had no issues with the engine to this point, and overall have really liked the I/O.
Winterization has been more involved with the I/O, but, had I known better with the OB I probably would have spent close to the same amount of maintennance time/money on it as well.
Concering fuel --
The 4.3L is 175hp in a 2500lb boat vs 115hp in a <2000lb boat, and we have not noticed a major decrease in fuel economy even though we expected it, especially knowing we are hard on fuel economy being that we're towing a wakeboarder or tuber 1/2-3/4 of the time JUST above planing speed at the fastest.
Antifreeze would require a closed cooling system, and in my region that is rare (non-existant?) on a smaller boat. Being near the salt in NY that might be something you can find, but I'm not sure of the benefits of that type of system.