I may help if you the decision-helpers your price range. Just sayin', Capt. Chris
Good point. Optioning a 5-4 with stainless and WT is 490 (390+65+35), whereas the 10-3 out of the gate is $260 (before taxes/shipping, if applicable). If you want a pouch sheath from Amy for that 5-4, that's another $65-ish, give or take depending on options (and the 10-3 COMES with a pouch sheath).
You'll get some beautiful stag on the 5-4, but that may not necessarily be desirable in a beater boat knife.