I know a lot of guys maintain that NADA is way out of whack, which may be true, but if a buyer is financing, that's what the bank is going to use to value the boat, like it or not. Now I know that everyone on this board buys their boats with cash

but it may be helpful in case a non-member stumbles into this thread....
When I got my Sabre FTD, it was actually quite a bit under NADA value...to the point that I had to convince the insurance company to value it based on NADA rather than purchase price, because I'd never be able to replace it for what I bought it for. Definitely I got a great deal, as when I book it out now, the low NADA price is still above what I paid 3.5 years ago.
I think the biggest factor in asking prices is the long term loan periods that a lot of buyers use. At 12 or 15 years, the boat likely loses value quicker than the principal is getting paid off. Then you add in graphs, power poles, and other accessories (which the bank doesn't care a whole lot about) and it's easy to get underwater (pun intended I guess...) on what you think it is worth vs. what a bank will give someone to buy it.