Remember that your Bolts are not tightening up again a solid metal surface - say like clamping 2 sections of metal, this is fiberglass. The torque from Catalina I got on the bolts was 90ftlbs.
and much more.
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Unless the diagram from
@Dave Groshong , in Post#4, is specifically for the Catalina 30, you can't go by just bolt size, condition, or material of construction.
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Since I don't know the Cat 30, I can only inform on what bolt torquing does and why.
Torque is a force used to "stretch the bolt" to oppose the gravity force [in this case] to hold the weight of
your keel in place.
Other considerations...
1) the number of keel bolts.
2) The lateral forces applied to the keel that is resisting the wind force on your boat.
3) The backing
material and
structure to resist all these forces.
4) The spreading of the load of all these forces.
5) A few more, but minor.
Take Care...
Jim...
PS: I don't normally respond to argue or oppose views, unless it is about boat Safety.