I'd be getting the 400 trophy, its ready to go with no further fitouts and as you've suggested you'd like to buy something that will hold resale value, the 400 trophy will, as your not adding further options/upgrades after purchase and depreciation will be only on original purchase price . Although if your doing a lot of towing the 13" wheel/tyre upgrade is worthwhile.
Do shop the price of the boat around though, the local dealer will still get your servicing and frankly thats what their making their cash on anyway. Warranty is through the respective manufacturers so its covered where ever you buy from. Remember too that with the Quintrex packages if you get the Mariner or Mercury boat/motor and trailer package you get a 3 year warranty on the lot. If you buy from a non mariner/mercury dealership (eg Yamaha motor) warranty will be manufacturers warranty periods only which are anything from
12 months to 2 years only.
My father in law bought a 400 trophy with a 40hp 4stroke Merc, side console and electrics and 13" trailer wheel upgrade, from memory with shopping the price around the dealers it cost him $15400 from a $16500 list price. He loves it, I'm also sure it came with bilge pump standard.
Best of luck!!