max ratings are BS. its only a recommendation. having enough torque to turn a monster prop is important(large pontoon props for heavy loads). think about it this way- you can never have to much HP, its to much throttle at the wrong time that will get you in trouble. its much easier to prop a motor for a heavy load if its got power to spare. figure your gonna put 4 guys on there hoping for a good 500lb night like we all dream of, add up all the gear, genny, cooler, ect., ect. maybe you think you need a fan next year? all of a sudden you simple boat turned into a 2500lb tank that you fill with another 1500 dang near every trip. I say a minimum 115, go 150 if you can afford it, and no matter what make sure its a 4stroke.