We are on the road about 5 months a year and to conserve dollars we stay at COE/NFS campgrounds about half the time. This means we are usually on a lake or reservoir. I feel we are missing half the ...
As I've seen and my experience... you can put a YATCH on top or in the rear... and even an aluminum little boat, the most important is that YOU can ALONE (strictly by yourself) lift to hook, or unhook such a boat. the capacity of any boat you buy is YOUR ability to handle such a boat...
It happened to me, I had a big scooter attached to a rail in the rear... I could NOT lower the bike without help!, so it was impractical.