Re: 20' SF with 1996 Johnson 115 V-4 (enough power?)
The 115 will be fine. You should get mid 30's, and cruise in mid 20's. Many new 20' SeaCrafts were rigged with 85 hp and 115 hp outboards. My 20' Seafari was rigged new with an 85hp OMC, and I recently repowered from 150 down to 90 hp and am well pleased.
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Common Sense is learning from your mistakes. Wisdom is learning from the other guy's mistakes.
Fr. Frank says:
Jesus liked fishing, too. He even walked on water to get to the boat!
Currently without a SeaCraft 
(2) Pompano 12' fishing kayaks
'73 Cobia 18' prototype "Casting Skiff", 70hp Mercury
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