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Here are a few reasons why I recommended the F200 In-Line 4 for you.

1. You already have Yamaha controls so you save money here.
2. The weight of the 150 Yamaha is identical to the 200 Yamaha so no saving there. (489 pounds each)
3. Having less HP does not save fuel but can create more wear and tear on a smaller motor by over working it and may not last as long.
4. The boat has a max hp rating of 200 and many people like to put the max hp on any given model.
http://www.whalercentral.com/articles...ticle_id=6
5. Even though you may not need the hp, it is there for when you might need it for extra passengers, extra gear, or outracing a storm, etc.
6. I have not heard of anyone complaining that they had too much power. (if they followed the max hp shown from Boston Whaler specifications)

The new Mercury 150hp (about 480 pounds) almost weighs the same as the Yamaha 200 (489 pounds) so no real savings there either.

So the rest is up to the individual and what they want to spend and what they might be satisfied with.