Our 50 utility doesn't roll too badly BUT the past owners installed bilge keels about 9 in deep and roughly 30 ft long.
Natural waves are seldom a problem, unless directly on the beam , so a course change cures that.
Dopes with semi plaining boats passing with huge stern waves are definiatly a hassle.
The 50 is very handy so we simply turn away , and if times right simply get the 4 or 5 ft wash on the transom , as we do a 360. Costs little in time , and easily done in a fairly small channel..
I purchased a set of flopper stoppers , so would expect to do short passages eg. Atlantic City to Cape Cod Canal in a straight shot .
In the $10K you should be able to get a GRP 40 or 50 , if you can accept a poor engine, needing replacement.
-- Edited by FF at 05:27, 2008-04-18