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You should probably get the 90 HO. I think that if you get the 90, you will always be looking back at the 90 HO wondering what might have been. It is the same motor as the 115 though. The only difference is the programming and cowl. If you arent tide to Evinrude, you might also checkout the Merc 90. It is the same 4 cyl block as the 115 but is lighter than the Evinrude 90HO. You seem to be hung up on stepping down to a 3 cyl from a 4.

One last thing is that you have a SS which is already lighter than a Montauk which means 2 things: it will be faster than the Montauk with all other things constant and will probably be better suited for the extra weight. I think the also the SS is lighter in the front than the Montauk with will also make it faster but might feel a little less stable at WOT. It will be a rocket!