Growing up, my dad had a boat with a 90 on it, and it was only rated for a 50 when he bought it. He was still able to insure it, so I don't know how those ratings work, if they are recommended guidelines, or law? He made sure to point it out to the insurance company before he agreed to buy it, and they were fine with it.
I'd get the bigger motor, and like you said, if you're really worried about it, all you gotta do is swap the decals
Last edited by bloopbloob; 07-28-2014 at 07:52 AM.
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