Just how high does the USCG set the bar for my plastic tank with it's plastic fittings & crappy EPA cap?
Insurers LOVE it when you give them an excuse to not pay your claim.
the plastic tank was tested, passed and approved by the USCG. your proposed fuel cell was not. it may be better, it may be worse, however to the AHJ, it is not approved
and since the tank doesn't have a USCG approval, if there is an incident, not only does your insurance agency have the right to not pay, if there is any injury or collateral damage you are personally liable. and since you posted it in a public forum, guaranteed it will be discovered
plenty of USGC approved poly tanks out there for the same or less money than a fuel cell.
by the way, in a car, fuel vapors dissipate on the ground and the issue is gone as the car is usually in motion. in a boat, fuel vapors settle in the bilge and collect (which is why boats with a bilge have blowers)....and any spark or hot surface over 220F and you have a 40' fireball