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in reading about the Force outboards I hear horsepower ratings were not taken from the prop thus meaning a 125 may be a 100 as compared to other outboards
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This is not true. By the time AMF-Brunswick changed the Chrysler name to Force in 1984, horsepower was rated at the prop-shaft by all outboard manufacturers. Even the 1982/83 Chrysler motors were horsepower rated at the prop.
Your 125/120 hp Force is a good motor, and will push a 20' just fine. It will require a bit more time in maintenance than a new motor, though, especially in corrosion prevention.
I happen to really like those old Chrysler motors. As long as you took care of them, and really important, DIDN'T MESS WITH THE CARBURETORS, they were almost bulletproof.
The Tillotson carbs were really simple, and easy to mess up, as well as easy to repair.
I used twin Chrysler 105 hp motors on my 25 Mako CC commercial fishing boat back in 1976 in the Keys. They never failed to start, never required more than ordinary maintenance, and ran 10-12 hours a day, every day, flawlessly.
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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