Re: 2006 palm beach 185 with 90 hp Yamaha 2 stroke
that's a good rig for fishing and general recreational use in the inshore waters you describe. Offshore--pick your days, don't take more than 3 people and go when other boats are out there. Of course it will have its limitations but you would be safe in rough stuff unlike a bowrider of that size. It will be fine for water sports, cruising, beaching, too.
It's also a good rig for teenagers to take out and for you to teach them boating on.
Palm Beach is a mid-quality boat, generally light and generally with a fairly flat hull (don't know your model) which makes them good for skinny water but a little bumpy in rough water. Not a deal breaker; just a factor.
Engine is fine.
You could practically buy it sight unseen.