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The reported WOT speed by 2007-15 owners is 39 mph running solo and 37 mph with a passenger.

The factory performance report for the 2018 Montauk 190 with a Mercury 115hp CT engine reported 41 mph.
Note: The factory performance is done under ideal conditions. No wind, current, gear, passengers, light fuel load.

What is your top speed, load, conditions?

Verify the engine is mounted 2 holes up, top bolt in the 3rd hole down from the top AND the prop is a 13.25x 15 Mercury Vengence. Are you trimming the engine way out?

A 5: Bottom paint can cost you up to 5 mph.

As a matter of practice I recommend replacing all the thru hulls (use OEM parts) when purchasing a used Boston Whaler. Just a good precaution.

A 1 - Yes
A 2 - If there is moisture it may drip out but then stop. That is fine. Let it dry then replace.

A 3 - There is fiberglass on the top of the sides. Fill the existing holes with a marine epoxy like Locktite Marine Epoxy and drill new holes 1" away from existing through the rubrail insert and hull.

As for the weights - I would be more interested in the static water line on the transom and its relation to the spashwell drains? At or below the drain tubes is good.

Also - The published boat weight is an approximate. This boat is hand made so there is a variance. I would not spend time with scales.