All salient points above....you'll find the running costs difference between the engine sizes and RIBs your talking about will be pretty negligable overall.
The fuel economy will be affected a lot more on ...Driving style (Heavy on the Throttle)....Loading ...and Sea conditions than a few Horse Power and a little extra Length.
As Fender says a larger Unit will be working less hard...and just because you have potential perforce on Tap...doesn't mean you will be useing it most of the time.
For me...Go Big as you need ..can