All I can tell you is that my B411 hasn't seen her Beneteau-specified 4' 9" draft since the day she left the factory. She currently displaces more - 5' with what it takes to make her a proper cruising boat. I suspect the Hunter 41 is similar.
;^)
Well for sure I hear you, boats used primarily for cruising very quickly load up, With spares of spares, Just-in-case stuff, and pure create comforts that end up just stating on the boat!
Boats that race at a competitive level need to be quickly brought back to Light Displacement mode. On Kestrel we keep all non-race gear in specific area for crew to take off the boat... while I do things like swapping the plow+chain for a fortress and lighter rode. She floats 2-3 inches above her LWL when done.
Lots of peeps don't realize that a boat's rated 'displacement' means loaded with gear to get her to float on her LWL.
To help competitive sailors understand the REAL weight of a boat, the term 'Light Displacement' is now a CE specification, the boat with upwind sails, rigging, motor fluids and nominal tankage.