Chucker makes some good points. I talked to Lowrance about the Navionics update issue and the engineers say it should be available May 15th. That is an issue for sure, but it is one that will be resolved soon. If you are one that does not use map chips or you use Lakemaster chips, it’s not an issue for you.
Also, the HDS-5 can accept an external antenna, so if the internal antenna goes bad you can always add an external antenna as well, same as the 520C. The bonus for the HDS-5 is that it has a TWO year warranty versus the one year warranty on the 520C. That extra year could be huge.