Peter,
it's a tough question with no precisely correct answer. Especially without more input from you....I agree with the above comments...even though they are somewhat contradictory. Are you going to live aboard at the dock, cruise a hundred hours annually, cruise a thousand hours annually????
What are you expecting from these engines, what were you told, what is documented, what maintenance records and oil analyses do you have, and what have you checked on the engines and documentation? What is it you wish to accomplish? A full survey guarantees little... a piston rod or crankshaft can break on the next run, but they do provide valuable feedback.
As an example, if you were told the engines were completely overhauled and have some records, one port inspection can reveal if the rings and liner are new or 20 years old. Also, a mechanic who knows what Detroits sound like can tell a lot from the sound, warm up and WOT run characteristics. Smoke during cruise RPM run: maybe injectors, maybe liner problem,maybe turbo failing.....maybe......
You can talk to the mechanic organization that supposedly did any recent work....get their input. Ask how meticulous the owner was. As a combination of the above posts, why not take several steps yourself to start:
(1) Talk to the owner and find out how he used the engines...cruise speed, RPM, hours per year. Does that match fuel receipts? Have the engines been sitting for a few years without use....BAD sign....
(2) Review all the available maintenance records, including oil analyses for engines and trannies, get a current oil analyses....engines and trannies and coolant, genny also. They are only about $30 each... Again, no guarantee, but good feedback.
(3) Stick your finger down in the radiator cap and feel the underside of the heat exchanger tank where oil and crud collects....clean or dirty....of check overflow tanks, if installed.
(4) Go on a sea trial yourself armed with an infrared heat gun...Bring along your most knowledgeable friend....or a trusted mechanic....record all temps salt water system components, fresh water coolant components, tranny case temp, each engine exhaust port...compare against each other and the other engine. And read all temp and pressure gauges at the helm.
After the above, make a judgement: Does what I have been told,what I have verified and seen myself seem ok? If so, likely you are ok. If you have doubts, then maybe a complete (expensive) survey is a good investment. And if what I described above sounds like gobbledegook, go for the survey...
Finally, have you already negotiated a low enough price that IF a complete survey revealed a problem, say worn rings and scored liners in one engine, would you be able to get a further price reduction? How long has the boat been on the market? It's SLOW now so a survey COULD more than pay for itself...or maybe not...
good luck.....it's a judgement and a personal call.....