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Dan,
Everyone has their own comfort level. Like you, I did redo the wiring, I'll bet you found house wiring on your boat, my 1980 C30 had alot.
What I was referring to with regard to pump sizing is not for small leaks, but accidents at sea. Here in Florida, there are incidents with boat hull punctures, & crab trap lines pulling shafts out of boats.
If that happens, don't you want to have a larger rated pump? We also have alot of broken dock material (waterlogged and unseen in the gulf). In addition, I never have a problem with current draw as pumps don't draw that much with rated wiring.
AA is relatively new at owning a boat and is doing alot of upgrade work, so we all try to help him when we can with the best info from our experiences saving him alot of angst & grief.
Thanks for your input pal; the more input the better for sailors...
CR