Welcome to Quadcrazy! Have you checked Kelly blue book on atv values to see where your at with what a atv your looking at is with ? Every state is different.
https://www.kbb.com/motorcycles/4-wheel-atv/
Now for the performance concerns my feelings are the Polaris although it’s a little older is still a great bike. Very reliable and hold value. I think that price is a little out of line but not bad. But your looking at a much newer bike for about $400 more. Well worth it. Most of the newer bikes have fuel injection, better suspension and overall newer features.
The only thing with the Polaris is the due to the year although a solid bike if you hold on to it for a while and have no intention of passing it down and want to sell it the year will be the haggling point as it’s your concern right now (the year) think about the next guy lol.
Either way I think you can’t go wrong as far as getting a solid bike. I would go with the newer bike (just my preference)