28 k is a lot of $$ to invest, so a surveyor is justified in price.
But if you want to save that 1 k & do it yourself, I recommend the
very useful book "Inspecting the Aging Sailboat" by Don Casey, a well
respected sail boat maintenance authority & boat repair expert.
It gives a straightforward, thorough & methodical description & check lists to
run through a boat's hull, standing & running rigging, engine & systems.
I work as a building inspector, so I may be a little more qualified to inspect
houses & boats more then the average sailor. But with a full day committed to a thorough inspection, a moisture meter & a good flashlight, most sailors can perform a good inspection. It helps to follow up with a pro rigger & diesel marine mechanic for advice, if you find problem areas, to determine a cost to cure. But most surveyors do not go up the mast to inspect the standing rigging, & they are not mechanics & do not perform
compression tests of the engine cylinders. That leaves about half of the boat un-inspected. I hired a diesel marine mechanic to perform a compression test for $100.
A pro rigger charges about $100. per hour & can tell you pretty quickly if the rigging is still sound. Save your money & hire specific experts, if you want detailed analysis. In my opinion, a surveyor only performs a genral, educated guess as to overall condition.