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This is how all my trailers have been setup.
http://www.whalercentral.com/articles...cle_id=117

I prefer 4 bunks for many reasons.
1. You can remove 1 bunk at a time and replace the brackets, wood, carpet etc., and don't have to jack the boat up or support it in anyway.

2. If something should break on one of the bunks on a rough road, then the other 3 bunks will still support the boat and not ruin your trip.