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The long and short is IF you hold any USCG license no matter the size and you have a incident you will be the one under the microscope. You have something to take and the unlicensed operator does not.
That being said it does not alleviate the other mariner from prudent navigation as well as yourself. As much as right of way and who has it and when is concerned - know the rules and take a breath because everyone wants to come home at the end of the day
Oh and if you think the sail boaters are a pain in the ass just try towing a 440' oil barge 200' astern out of Castle Hill on a Sunday, Then you will hear some colorful language.
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