It is absolutely untrue that the F20 Yamaha has a two-star rating. It has a three-star rating. You can go here to verify the C.A.R.B. rating.
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Sorry, obviously they've recently upgraded. They had a 2 star rating.
Another vote for the Honda. I'm a big Yamaha fan, but read some reviews on the 20hp 4 stroke Yammy and you'll see why Honda in the favorite here. Tohatsu makes an 18hp for quite a bit less money too if that would work for you.