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i've got a bay boat that i have my kids and nieces/nephews on once in a while. with the low gunwales it crosses my mind from time to time. with little ones on the boat i drive pretty slow and it's only on fac days and you just watch them like a hawk. if it's the right boat for you and you can afford it - do it up. if not, go for a more modest boat and put some money in the fund
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