I am a boat dealer and we only use ABOS. Unfortunately many banks are too cheap to pay for ABOS so they go on line and get NADA for free. NADA is very regimented in that it has a “one size fits all” accessory list that is suppose to work for all boats, but that it is crap. Adding a outboard motor to it is usually a pain too. I am not sure it adjusts for the area of the country you are in either. I dont expect much from NADA because it was bad 30 years ago when I was selling cars and it still is for boats. ABOS is much more adjustable over a wide range of boats, motors (O/Bs & I/Os), trailers and accessories. I will usually run a free abos for people (hard to do when it is busy) and people usually appreciate the time we have spent to get them an accurate resale value and it creates good will. I encourage the banks to use it or get a value from me because it is more accurate and many times they cannot find the right manufacturer or model anyway. Bottom line is I would not trust NADA.