Re: MErcury I/O or OB
I guess it all depends on your personal preferences and where you intend on boating. If you ever boat in shallow water, the O/B will be an advantage. I personally prefer an outboard on anything under 20' or so. I've had both and swore I would never own another under 20' I/O boat again. I know others will argue it with me, so I guess it's a matter of opinion. I have been boating on the Chesapeake Bay for 30-some odd years and the least problematic boats we ever owned were outboard powered--this is after owning 20-some boats from 12 foot dingies to 50 foot wooden Chris-Craft motoryachts. We've had inboard powered ski-boats, high performance jet boats, various runabouts and fishing boats, etc. My big boat currently is a 28' Wellcraft Nova with twin I/O's and my two little boats are both outboard powered. I sold my last small I/O boat two years ago and have been very happy since.
I/O's have a lot more systems and components to deal with and winterize, they take up more space inside the boat, they weigh more overall and they have a deeper draft. If the boat sits in the water you usually can't tilt the outdrive all the way out of the water like you can with an O/B. On a small boat, it is difficult to offset all the weight in the stern of an I/O boat, and this can cause excessive bow rise and difficulty planing off with a load in the boat. An I/O has to turn the torque 90 degrees twice before it gets to the prop and this decreases efficiency requiring a higher power I/O to do the same job a smaller hp(and lighter) outboard could do. If you decide you need more power or want more power, an outboard is easier to upgrade. A two stroke outboard does have the additional cost of oil added to the fuel.
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Stan