Tough call...
I also own a 1996 2520 MVSC and have thought about this myself.
As a preventive measure, I try to keep the under-deck space as dry and ventilated as possible, going so far this season to add solar powered fans to improve airflow.
I have a unique situation though. My boat came from the factory with 3 fuel tanks.
Main tank is 126 gallons, and the Port and Starboard tanks are 49 gallons each.
When I first bought the boat, I filled all 3 tanks on land before I sold the trailer.
Seemed like a good idea at the time, but adding over 1300 pounds (not including the weight of the tanks and related hardware) caused it to be a bit sluggish getting up on plane. :shock:
The lesson learned was to only use the main tank, and leave the wing-tanks unused.
When finances allow, I would like to cut the deck and remove those wing tanks and related piping and wiring, then pull the main tank for a thorough inspection.
If everything looks good, I would coat the tank with coal-tar epoxy and re-install it with all new wiring and fuel hoses.
When replacing the deck, I would repair the holes for the wing-tank inspection hatches as well as the fuel fill holes in the washboards, then give the deck a fresh application of non-skid.
Not certain how much dead weight I'm carrying around now with those wing-tanks under deck, but I'd bet it is substantial enough that I would see a performance gain, which would make the whole project worthwhile (and expensive).
My situation is a bit different than yours, but if you do decide to cut the deck and pull the tank for inspection, I would suggest coating the (old or new) tank with coal-tar epoxy, and replace the bonding wiring, the fuel gage sensor, and all fuel lines while the deck is up and everything can be gotten to.
It would also be a good time to check for moisture, clear any drains, and remove any FOD that might still be down there from the time the boat was built.
A worthwhile project that I want to do myself someday. :wink: