Good news is you should find access to the other Yanmar 3JH3E 40 hp engine components pretty reasonable on the 2005 Hunter 38 assuming same layout as the 2004 Hunter 386. 14 year life for a seawater pump seems pretty good. At some point you will need to consider replacing the seawater pump for preventative maintenance (PM). I just had a Yanmar diesel mechanic perform an inspection and PM, including seawater pump impeller replacement, on my 2005 Hunter 46 Yanmar 4JH3-TE 76 hp engine. Fortunately there were disproportionate access issues.