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I'm not familiar with Bill's engine but my four stroke Mercury has an engine mounted filter with a replaceable element. I carry a new element aboard with the tools to replace it. The "hood" on my engine is so large, heavy and awkward I hope to never have to remove it while on the water.

However, in general, I agree with you. I am far more concerned with the possibility of a high resistance connection developing in the boat or electronics wiring. Therefore I carry a small selection of fuses and connectors aboard along with a simple circuit tester.