That's really a judgment call, no one can tell you how to spend your money. If it were me, I go through the engine over the winter, probably the drive too. Hard to say what is a reasonable cost for a 140 engine, never had to buy one. The one I owned was ultra reliable, but that's after going through a gasket set, rebuilt carb/starter, and all new electronic ignition, which I believe is where your at now. All boats, even new ones, can leave ya stranded so having a plan, cell phone, or buddy with another boat is always a good idea. Best of luck to ya, Michael