Greg,
I don't think she charges a couple of hundred and I did it with my boat for few reasons. One, she does a title search, like a house to make sure the guy on the documentation is trully the owner. She also checks to make sure there are no open liens. She also follows the paperwork to make sure it is filed and completed. Billy pointed out he had a piece of paperwork he didn't know he needed. I had a similiar one. If you don't know if you need it, how would you know to ask for it. The documentation website is pretty straightforward for some things, but transferring from one documented name to another is confusing and I had read that if not done right, the USCG will hold it up. For me it was piece of mind. With a large investment, a hundred bucks is chump change!