I know its an extremely bitter pill, but if you look thru some long shaft motors w height added to 15in short transoms topics, the vast majority arent satisfied w the less then expected results
Spending more money to add a bracket to accomodate the wrong motor sounds like bad money after bad money esp if you have to install it such that wont accommodate a correct height 20in motor. Thats likely to effect re-sale....
You've gotten good advice from guys that have very different setups on similar sized boats.
There is a great deal of info in here, if you cant get posts HERE to help answer your questions or want additional info, GO LOOK thru other topics. So you'll see how dozens and dozens of build challenges were overcome, how numerous builds proceeded from point A (bought a boat) to point Z123 (splashed a boat). Yep, it sounds like a lot of work, because it is, but it helps prevent a huge 25% restocking fee mistake.....
I dont know who you bought the motor from, but if he's demanding a 25% re-stocking fee on a motor you havent taken delivery of yet, I dont know that he's the go to guy for questions and answers that dont reinforce a poor purchase (AND sales) decision. Again, I dont know the details of your motor choice, but if you gave him accurate info specific to your 1974 boat, there should have been no way he didn't know the 25in motor was the wrong one.
IMO, if you have questions about how best to build your transom and all that entails, you could do no better then the advice you've already gotten, repeatedly.....
Add my desent for adding Starboard anywhere on the transom.....
Good luck w your project, hope for the best, plan for the worst.