Re: Over loading boats above the capacity plate max?
the reason it's "OR" (or the reason it should be) is that too many people rgardless of weight is a safety factor. As one said, they all could tip the boat moving around. A captain can't safely supervise them all. They will eat all your snacks and drink all your beer, use all your bait and tangle all your lines. Some want to go fast, some want to go slow, some get seasick and sunburned.
There is a certain arbitrary factor to any safety laws, including speed limits, building codes and health regulations. It's pointless to argue that the rule makes no sense for a boat over the max people if they are all skinny Olympic swimmers. It just doesn't matter. Nor does it matter that I (and others) have safely operated boats with too much weight or too many bodies. That simply isn't the point, nor is it relevant.
Just remember: it's OR. Go over one and you are over.