Ok I know I need to keep my ratio close to what my boat came with. But if I find another drive what differance will it make going up or down a little. I have a 1:65.1, if I use a 1:84.1 will I gain low torque and lose some top speed. If I have to use a differnt ratio is it better to go up or down. We use the boat for sking and cruising not for speed boating.