Re: Max horsepower
One of the assumptions people make about overpowering is that they will be able to exercise due care and control over that extra power and so stay out of trouble. It isn't always possible.
Case in point: My uncle had a little Humber Jewel -- '68 vintage I think. Anyone remember those? About 13 feet long, but quite wide. Here's a link to a nicely restored example.
http://www.oldmercs.com/Articles/DNagasaki.htm
The thing was rated for a 40hp motor but he got it with a 65 Merc on it and boy did it go. Problem was that engine was way too heavy for a boat that short and when you were dropping off plane you had to feather the throttle carefully in order to ease it back into the water without swamping.
You can guess what's coming, can't you...?
One day we're flying along, sitting up on the seatbacks, grinning like idiots when the engine up and quits dead. Turned out to be fuel starvation due to the gas cap vent spinning itself shut.
Well, it was bad enough trying to keep from falling face first on the windshield, but the best was yet to come. Without the ability to feather it down off the plane the boat just fell off of its own accord. Damn thing stood on its ass and I thought we were done. We scrambled up the deck to get some weight forward and just managed to keep it from going over backward. Fun times!
It was quite a reminder that sometimes you're just so much ballast along for the ride and in this particular case, the excess weight of a motor that was too big was bad, bad news.
A rather extreme example to be sure, but an education in the unexpected ways handling can be affected beyond the limits of rated capacity.