I believe most weight capacity noted on boat placards are "dry weight". This means you also have to add the weight of gas and oil. Gas weighs approximately 6.4 lbs per gallon so if you have a 50 gallon tank you must deduct 320 lbs from your weight rating. Also any factory accessories such as tables, built in coolers, are not included in the weight rating and should be accounted for.
I think once you do all the gear, liquid and accessory deductions from the max weight rating, most would be surprised how little there is left for people!
Dan
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