I don't agree withe the post above.
There are a few basics before you agree for any kind of "trip". You have to ask for costs before Your trip not after that.
I used the local boat option last year and everything was agreed. I rent a local boat and there was no need to load\unload many times. You have to load once your boat when started the trip and unload when arrived to Panama.
Everything was included and I hadn't to take care of anything.
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