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9R,
I think you'll be fine with 3 kids and 2 adults for the kinds of activities and speeds you describe. I owned a Montauk for a few years and loved it. We had 2 adults, 2 kids (daughter plus friend), and a cowering dog regularly on short outings and it worked fine.

If you don't pay a premium for the boat, you can always sell and upgrade later as your needs become clearer or change, and not lose much money.

Dennis