I just finished the 100 ton masters license with tow assist courses and I am sure I can answer any questions you have because I went through all of the same BS you are. Pm me if you want my # feel free to give me a call
Any vessel carrying more than 6 paying customers, needs to be an inspected vessel- only means the USCG inspects it and you have to have a masters license. A 6pack is for uninspected vessels only.
As I understand it, if you are being compensated in ANY way (money,gas money,whatever) for taking people on your vessel, you are basically taking responsibility for their life and in turn need to hold a captains license. In my opinion, a few hundred bucks is not worth the risk if something were to happen while out on the water