I had a bit of a breakthrough.
I moved the seat forward as suggested and went out into the flat calm. As expected I got up to 15 MPH and just lots of additional noise at WOT.
Reducing the throttle I was resigned to no real difference but I must have made some minute adjustment as suddenly the engine noise / load / strain changed, the spay either side of the bow stopped and it was an instant 5 mph up to 20 MPH throwing me back slightly in the process.
It seems I haven't been on the plane but only having used the boat 4 times I assumed the 15 MPH was on the plane. It wasn't until this happened yesterday I could see the difference. A kind of Eureka moment you could say.
At the point I brought the throttle back to half or slightly below and it kept the 20 MPH speed. WOT throttle maybe got up to 21.5 MPH at a push.
I tried a few times and although I'm not sure exactly how to get it on the plane I'm going more or less up to WOT and working back slightly until it gets up. I don't have any instruments beyond speed so I guess it will just be practice.
Sitting forward gives an extra 1 MPH. I assume 20 / 21 / 22 ish MPH is acceptable for a 3.3m SIB and 15hp 2 stoke. That was with one person 24l fuel and a few odds and ends.
The increase from 15 to 20 MPH actually makes me feel as if I can venture further afield.
Thanks everyone for your help