I still have the crappy stock speakers and use them. I have tinnitus and need background noise. Somedays mother nature provides, others I need the stereo. I plan on adding a amp and 4 decent speakers. Nothing like the wake boarders. but better than factory.
In your situation, run what you got. When it dies, upgrade. As for the stereo, buy one of those waterproof covers. BassPro sells them. I used one on my last boat and never had issues. This boat has a Marine stereo.
HOI Crappie Club
Where family and friends come to compete for a little more than bragging rights.
Quick, someone teach me how to fish so I can win this tournament!!!