I’ve got a 2019 F250 4.2. Runs great, never an issue. I had a F 250 3.3 and it rusted out from the inside. I think with outboards it’s a function of age and hours. Young motor high hours probably not an issue. Old motor with low hours is probably riskier.
I also have a 4.2 liter F250 but mine is a 2018, and formerly had a 3.3 liter F250 of 2006 build. Both great motors, yet the 4.2 has way more torque. My hours are much lower on my 2018, but i would request to see all maintenance records to ensure requisite maintenance was done in addition to the regular changes of oil, filter, lower unit, but the 500 hour changes like internal engine zincs, VST filter, spark plugs, etc. Service paperwork can be an interesting read as to issues mechanics had to fix in addition to regular service. If you provide the serial number, Yamaha will tell you about when put into service and any warranty issues. I thought the hour range readout can show more definition than ___ hours between 3,000 and 5,000 but something like ___ hours between 3000 & 3500, ___ hours between 3600 & 4000, ___ hours between 4100 and 4500, and ___ hours between 4600 and 5000. This motor should have been propped to top out between 5500 and 6000 ish, otherwise you can damage an engine with lugging issues, which raised the question...."how many hours above 5000 RPM". As for engine hour potential, I thinks it is clear these newer generation 4-stokes have lifespans 3-5 times 2-strokes, but.....we just don't know. Binnicle control and ignition doesn't cost squat, yet command links can be spendy. I assume you will get wiring harness. I would be interested to know the "why they are selling" answer, and see if my BS meter sounds??
I believe a regularly run motor with high hours, with really good service intervals, with service done by pros can mitigate the high hours if you get a good discount in price. It sounds like the price is 25 cents on the dollar, so.... it really cant go much cheaper for something only 3 years old. You know the risks for buying used, but this could perhaps serve you well. If you sell the boat with this high hour motor, a new buyer would also raise well founded questions. Good luck. DAJ