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A boat that I just purchased has a fuel/water separator - and I'm glad it does. That's not because I've noticed anything yet with my boat, but rather because I tore down a friend's Mercury carbs after symptoms of not starting/running well. The carbs were actually pretty clean, but I did find droplets of water in the bowls. And this guy had 'above the deck' i.e. portable tanks. My recommendation to him, get a fuel/water separator!