Okay, you are all wrong.
Quote:
Headway speed is 6 mph or the slowest speed to travel and still maintain steerage."
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If your boat can maintain steerage at 3mph, then you can go up to 6mph. 6mph is the limit for boats which can maintain steerage under that speed.
If your boat can only maintain steerage at 10mph, then you obviously can't safely operate at 6mph, so you must proceed under the second part of this clause, and your limit is 10mph.
It's pretty simple.