Not even close...
You will not be close to 40mph with that setup-nothing to worry about. Last year I owned a 22' Manitou tritoon with an Optimax 115 on it. Under perfect conditions with no fuel and my fat butt behind them helm I was seeing 35-37mph. For a pontoon this was a very well designed hull and planed a lot easier than the normal double tube hull. To break 45-47mph I was going to have to move to a 175hp outboard (an intriguing thought until I fell in love with a bigger boat).
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