Well Jeff, Probably not smarter, but experience counts in this game.
Here's a good probable pick at a good price based on my 13+ years using it. The Whites Surmaster PI.
It is waterproof, will find coins and nuggets in black magnetic sand, is turn on and go:
just set the two knobs to the preset position and hunt in any kind of material.
I have found single #6 shot at 0ver 5", Fine gold chains in the sand, boat anchors at app. 4',
and a 2 Euro coin in black metallic sand. I have found flour gold 'bunched up' under rocks.
There are 3 versions of the surfmaster PI, all good, but the one with the pulse delay is the best.
You can pick up a used one for about $400.
Hay, just my opinion, Frank...-