Get the jack plate. I have a 6" manuel. With 3 men, 44gal fuel, gear, 162qt ice chest, plus all other stuff; I can turn right at 5,900rpms with a speed of 47-50 mph (gps). I usually cruise at 4,800-5,100rpms doing 38-43 mph. Also, if you are able to I would upgrade to a 80# thrust troll motor if possible. Are you buying this from a dealer or an individual?
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