There are wisely reasoned opinions on both sides of the foam or no foam issue. I used to have a Mako that had foam everywhere under the deck. I "sunk" it offshore. By sunk I mean that the bilge (about 24" x 36" of space under the deck) became completely flooded due to a broken livewell drain line. I noticed it because the boat felt heavy and the stern squatted when I put it in gear. There was never any danger of sinking or capsizing. Nothing to worry about - find the leak and fix it and then keep on fishing.
I was also on a 30 Riborunner with no flotation when both bilges failed (a few cut-off pieces of wire ties washed back into the pumps and jammed the impellers). The water in the bilge came from a livewell that was not properly plumbed (again!!). That was downright scary. We rigged the livewell pump to remove water and hurried to safe harbor before things went really bad.
If you have holes in the bottom of your boat (livewell, washdown, transducer, etc.) then the possibility of mass amounts of water getting into the bilge is present. I suppose waves coming over can do the same thing but I have never experienced that.
For me I prefer foam to no foam. There is a downside with regards to access and serviceability but I'll take it because it saved my bacon miles offshore.
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