Well, jigngrub, I sincerely hope you are wrong, however there is nothing wrong with diligence. My first priority is to assess the safety of the boat. I don't have time for a rebuild now, so if the boat proves to be unsafe, then I will have to park it for the rest of the season. I will do all of the tests that are suggested here and see how it goes.
In my logic, the issue of a rotten stringer has to be related to handling, as it is related to structure, and maneuvers on the water are forces applied to the water, which means forces applied to the hull, from the water.
I have been doing some research into the design of fibreglass boat hulls. As I understand it, the stringers, crossbeams and bulkheads all act together with the decking and hull to create a monocoque frame system. The stringer portion is designed primarily to prevent longitudinal flex of the hull, whereas the crossbeams and bulkheads (including transom) are designed to prevent torsional flex.
If I understand it correctly, the stringers are glued directly to the hull, and should be straight with no bends, (or if bends then additional reinforcement req'd). The crossbeams are laminated to the top of the stringers and the sides of the hull, and then to the deck, where the deck is laminated to the hull at the edges.
When going head on into chop, the stress on the hull would be primarily on the stringers, however the up/down flex of the hull would also cause the sides at the apex to apply force to crossbeams and decking, as the hull would try to move out and in at the sides as a result of the applied forces.
In a turn on flat water, there would be more torsional force on the boat, as the sterndrive pushes to the side and causes the boat to pitch into the turn. In addition, because the prop is moving the boat forward, the prop would want to run under the boat, but in stead would pull down on the rear engine mount and up on the front one. Since the mounts are on the stringers, this would introduce longitudinal flex.
Torsional flex would be highest at the widest and deepest point of the hull, and longitudinal flex would be more sternward, depending on the amount of force being applied to the stringer through the engine mounts.
In a turn on choppy water, there would be a more varied distribution of force, due to dynamic and uneven loading, but it would all compound with the primary loads introduced by a powered turn.
Looking at my boat (again if I understand this correctly) with the boat being a bowrider, (and with evidence of some rot in the floor slightly in front of the helm) the weakest point would be near the helm. The clearing for the walkway to the bow would be able to flex easier as there is nothing joining the hull laterally at this point.
Where I am going with all of this is back to my earlier post where I made an observation about "fishtailing" or drifing in a turn. I was on choppy water, going 30 to 40 km/h and in a fairly hard turn (20 to 25 degree pitch).
I am experiencing a moment of clarity here. It would make sense to me logically, that the crossbraces and decking are poor, not only from looking at the decking, but also from the drive. That fishtail could have very easily been caused by torsional flex in the hull. I can confirm this by looking under this part of the boat.
The stringers I am thinking are probably okay (but will drill to be sure). The reason I am saying this is that when hammering waves straight on, or under acceleration the bow maintains a very straight attitude. Also when trailering the boat seems to be very rigid when on the winch.
I should be able to measure between the two sides of the walk way (perhaps a dial guage) and measure lateral and torsional flex on the boat in various situations. If it is all consistently put together, I should be able to get similar readings for deflection in a straight line under acceleration (when the bow comes up), or in a turn. A greater amount of deflection under one of these situations would indicate loading differences in the hull, and making measurements while anchored and observing the guage when waves rock the boat etc can give me a better picture of how the hull behaves.
Don't get me wrong, I will not be using these techniques to determine if the boat is safe, but I think it will be interesting to see how effective this is in assessing the condition of the boats structure. Next season after a rebuild I can repeat the process and see how differently it behaves.
This all makes sense to me, but I have only a limited (and new) knowledge of boats. If you can poke some holes in this, or tell me where I've got it wrong, please let me know. Just tossin around ideas.