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No, not necessary. (He's lying. Yes. If you're not level 30 when you go, Tobar stops the boat 30 meters away from shore and demands that you give him all of your caps. Regardless of your decision, he calls you a 'little sissy baby' and pushes you off of his boat. Until you achieve Level 30, when you approach his boat, he shouts 'Ha ha, little puny weakling!' and drives his boat just ahead of you every time you approach it, before stopping and waiting for you to approach again. Once you are level 30, he begins to call you bro and will take you to Point Lookout, but only after he tries to sell you some jet.) <-------this is complete and utter bullshit. i did it at lvl 23 or something like that.