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You are right Gary 4 people is no problem on my Montauk 150, and even though I take this boat on Lake Michigan (weather permitting) it is more designed for inland lakes. Also the 6 person plate rated at 960 is a little light as I per the capacity plate couldn't have 4 of me on board. Hell as a captain I won't take an 18" Outrage 15 miles off shore to go fishing with only 2 or three people.
I use an old 14' Achilles commercial "dive" boat with 25HP 2S when I want to move 8 people no matter how heavy they are and if some friend wants to go salmon fishing out 20 miles I take the cabin cruiser and take every-bodies family too.