By offsetting some costly luxuries to the options list and forgoing others entirely, Bayliner's stout, sleek 320 Cruiser gives you all the cruising essentials for a surprisingly low price. For example, does it have cedar-lined lockers? No, but cedar doesn't prevent mildew, it just hides the smell. And no, it doesn't have a solid-surface cockpit table, but I've never had a guest complain about sitting down to Formica, have you? Teak cabin steps? No again. The 320 Cruiser's companionway has vinyl nonslip instead. Need to pump up your biceps a bit? Good, because the engine hatch lifts manually. If you must impress your friends by pushing a button and saying "Open Sesame," then spring for the Preferred Equipment Package ($3,793), which includes a bow cushion, cockpit refrigerator, transom stereo remote, and a gel coat boot stripe.