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I am with you with keeping hp within the rated spec of the boat. The reason I passed on the 250hp Etec. What still memorizes me, is the same block I now own at 200hp HO, is the block I passed on. One of the telling factors is if you plan on installing a kicker motor. I believe the consensus is the Etec 90hp would work.....the 90hp HO would also work. If you at any point want a kicker motor.....go with the 90hp. I believe the manufacturer came up with the motor hp tweeking for those wanting the high performance and still keep their boat in spec. Either choice is correct. Do not beat yourself up. I have buddies who like hot rodding various motors......me if I wanted more power than a Chevy 350.....screw the internal customizing.....go with a 454.
Garris