Well,
I would say it depends on how long you think you'll keep this boat.
If a sale in the next 2 to 3 seasons is a possibility I would make her as stock as they come as you will not have to live with it long and you will not hurt the marketability of the boat
If selling in the next few seasons is unlikely, you can decide how much you like the stock look and if you can live with it. If you still feel like personalizing, I would get 2 or 3 upholsterers to give ideas and prices.
Then if you like the custom look you'll probably enjoy your boat more and maybe keep it even longer. Of course if you try to save some cash with fake pleated seats and don't like it...you'll sell her sooner and for less money.
.
Sean Conroy,
1964 Formula Jr. (hull #2) project
1972 Greavette Sunflash III
1981 Kavalk Mistral project
"A man can accomplish anything... as long as he doesn't care who gets the credit."