Re: 2003 yamamerc 225 4stk.
The only difference between the auto oils and marine oils, is that the marine oils have anti-corrosion additives that will protect your internal engine components leading to a longer engine life. Its not that the automotive oil will hurt it, it will work just fine, but later down the line you might wish that you had stuck with the marine oils.
If you are in florida you have a very high amount of salt in that water, and corrosion should be on your mind, I know that the internal components of your engine shouldn't ever directly contact the water (hopefully). But If they do, say bad head gasket, the marine oil will protect it better until you replace the problem.
Even if you don't lose your head gasket or anything like that, your engine is still aluminum, and although the block doesn't directly contact the water, it is connected to the lower unit, which is always under attack by electrolosis. So your block is somewhat affected by corrosion internally and externally to an extent.