Brilliant - thanks so much Max, Fenlander and Bomberman. Incredibly helpful; I'll respond to all in this post.
Max, Fenlander, it's great to have the reassurance on the transom raise, and the approach of going straight across and then dropping 10mm at a time makes a lot of sense. We have a steering assembly which I imagine pushes the centre of gravity forward, so testing and adjusting will allow us to find the right height for our particular setup.
Fenlander, it's super helpful to hear that you'd prioritise quality of ply over getting one piece of 30mm. I'll look into getting some quality marine ply and waterproof glue to laminate with. Any particular reason for suggesting 12mm & 18mm over 2 x 15mm?. I'm anticipating having to buy a larger sheet than the transom size I need so it may be cheaper to go with 2 x 15mm.
PS Replacing the transom will at least deal with the 'riser block envy' I experienced when comparing your elegant work compared with my job ;-).
I really like the splash plate thinking Max and while reading the thread started getting excited about fashioning one for the engine or transom from your guides. And then reminded myself that I need to fix the transom first! I think a combination of the transom raise and splash guard will help cope with the more varied weight loads between one to five people now the children are all over 80kg. In any case from your comments it looks like something that I can tackle once I've got the boat back on the water, which is great to know now.
Bomberman and Fenlander, your advice not to take chances with humidity and temperature does make sense even though it does present a problem. I'm now working through Bomberman's fantastic overview to see if I can sequence the project to keep the messy stripping and cleaning phase outside, and (assuming a marriage risking negotiation goes OK), bring the whole lot into the living room in for some carefully planned days of glueing, assembly and drying. Though taking over the Xbox and TV room until the job is finished does increase the chances of getting that extra pair of hands with the assembly :-)
Thanks again to all