So if I would have bought a Mercury Powered Sea Doo that is more reliable, but unexpectedly my engine died, I would have to shell out like almost $5,000 dollars??????
It's not an automatic $5K. That's the number people bandy about for catastrophic damage like needing a new engine block, etc.
Everything is a tradeoff. I'd say Mercury engines are built tougher than Rotax, and they are designed to run more conservatively than Rotax. This means Rotax engines tend to fail more often. I spend way more time maintaining and servicing my Rotax engines (I have one with a high RPM problem right now, AGAIN, in fact). It's always a few hours here, a hundred bucks there, that sort of thing. Tweak, tune, fiddle, lather rinse repeat. But when they're running, they're great.
The Mercury engines just work. I never give a thought to the possibility that my Mercury SportJet might not start, or might run funny, or might have problems. That could happen, sure (to ANY engine), but because they are built tougher and aren't pushed to the limits like the Rotaxes they just keeping humming along.
When I approach one of my Rotax powered craft, there's always that worry in the back of my head that it might not work quite right today. When I approach my Mercury powered craft, it never even crosses my mind.
Anything can break. The risk is (Probability of failure x Cost to repair). If the probability goes low enough, the cost becomes less important. I have both engine types. I'm very happy to have Rotax in my jetskis, and I'm very happy to have Mercury in my boat. I wouldn't trade places.