In my case I cannot under-build because with a C30 they do not make a boiler that is small enough to be "too small". I could easily over-build but am installing two 10k btu fan-coils and I can't go any smaller and still have some zone control. I am building the system with the simplest circuit possible with the possibility of modifying the loop later to get faster heating. I will run it with the following primary loop. boiler, domestic water heater, quarter berth, forward cabin/head, engine, boiler. I will also have a summer loop that by-passes the cabin heaters and engine. If it takes too long to heat from a cold start I will move the water heater to between the forward cabin and engine and make a small circuit loop to just the cabin heaters with a thermostat to transfer the heat to the WH and engine as the system comes up to temp.
And yes I am an engineer. I got my BS in Mechanical engineering but am licensed as a Structural.