[C320-list] new boat terrors

[moondancer5 at comcast.net]

I've been reading the list for a month or so while waiting for delivery of hull #1089 here in NJ. What I've been reading is scaring the hell out of me! It seems there are a number of problems with the new 320s. (I realize that some are due to special needs for charter boats) My last one was a Capri 22 and I have not owned a cruiser before, so please take pity on this newbie:

What do I need to do when the boat hits the dealer? Do I/they go through testing all the systems before or after I sign the boat loan papers? (The last boat wasn't financed, so I'm clueless.) Is there a test sail before the sale is final, or is everything just considered warranty problems to be addressed? I'm going to give the freezer a good look after reading of mismatched doors here. Are cosmetic defects addressed by the dealer if there are any? Do I let the boat leave the dealer at all before everything is 100%? I was already surprised that the bank wants the boat USCG certified (for $550!) as I already have to have the state registration done. 

I'd like to put together a checklist of what I should be doing when it arrives, any help here would be greatly appreciated. Silly me, I thought they'd just rig it, give us the orientation, and send us off (with a skipper) to bring it around from the Delaware to the Bay. Now I'm freaked...

Susan