The weight of a waterlogged transom or floor in the back could easily pull the the waterline down where there could be a problem like you described. Imho, don't fall in love with it if you have to reach on price. Like many have said the metal plates are put on as a crutch 99.99% of the time.
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Thank goodness that in the scheme of things you are broke, powerlesss and inconsequential, because with the shortsighted alternatives and idealogy you have you'd be much worse than those you complain about.
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