Advice on purchasing a turbo

I have the opportunity to buy a turbo from a guy in my area that bought it this fall and has put around 200 miles on it (21 hours). It has front and rear bumpers, windshield, roof, and rock sliders.. He’s considering my offer of 19K but he is pretty set on 20K..

1. Can you still buy an extended warranty for it with it being used? I realize the factory warranty will transfer but I could really use the extended one.

2. I can get a 2016 rzr 1000 XP for 15.5K but have to purchase it by the end of the year and then with 2500-3000K worth of accessories I’d be at 18-18.5 end result. So basically if he accepted my offer of 19.. I’d still need to put another 1500-2 in it to make it what I want.. So what I’m saying is for the 3000K extra should I get the used turbo compared to the brand new xp? I’m not out in the dunes, I spend most of my time in creeks and in timber’s

3. Also have any of you rode the turbo’s around water? Either model I buy will need snorkeled. Anyone know if the turbo model can be snorkeled with the high lifter snorkel kit? Theres a creek in my area we ride down a lot thats about waist deep in quite a few places so snorkel is a must..