ssichler,
For me the only time I would add ballast when motoring is in closely spaces 3'+ chop with speeds above 7-8 knots. My experience in these seas is that the boat launches out of the water on every second or third wave then slams back down. Having the ballast in helps the boat drive through these waves rather than crashing over the top. Other than that, or a short distance to travel, say under 5 miles, my tank is always empty under power. 6 years, 1500 miles, and I am very happy with the handling of the boat under power. I see no reason to waste the time and burn the extra fuel motoring around with the tank full.
I've only one stability bad experience and that was with a half empty tank while dumping ballast when the boat was hit just right by what really didn't look like a threatening wave. Boat rolled to about 45 degrees, then righted a few seconds later. Even so, I will still continue to empty at sea as I have many times before. In 6 years I can't think of a time I have pulled the boat out with a full tank.
We never worry about spray, if things start to get wet we just zip up the full enclosure and splash our way through while we sit snug and dry in the cockpit.
Here's another good reason to empty before you take the boat out of the water. You have to do this if you are using a sling launch. You don't want to pick up the boat like this with tanks full.
