It sounds like diminished flow. When you need power and load up the engine you create the most heat and if you don't have full flow through the system that will be the time it over heats. This seems exactly your situation. Check heat exchanger if you have fresh water cooling and exhaust elbow. Those are the most common locations for blockage. The water lift muffler is an empty plastic box with a baffle in it. A critter could be in there dead or alive but I've yet to see a post on it.