Hi there! Considering your needs and the specificities of both boats, hydraulic steering would be a significant advantage for maneuverability and comfort, especially with the conditions and the power of the boats you're considering. It might be worth the extra cost if you plan to use the boat frequently in various sea conditions around the San Juan Islands.
As for the trim tabs, they can improve stability and efficiency but aren't a must-have unless you face heavy loads or rough waters regularly.
Regarding the interior, marine carpet can indeed face issues with mold and sun damage if exposed frequently to elements, so the Raider's painted aluminum might be more durable for your situation. If you opt for the carpet, a good mooring cover that's easy to use will be crucial to protect it.
Lastly, service accessibility is vital. It’s generally best to have a local dealer who can service your boat without complications. Boats can be more nuanced than cars for service, especially when warranty work might be involved. It might save headaches in the long run to choose a dealer closer to home, even if it’s slightly more expensive.
By the way, if you're still weighing options, trying a boat rental in the area could give you a better feel for what type and size of boat best suits your needs before making a purchase.
Hope this helps, and welcome to the boating community!