We are looking for a "new" boat. We had a 20' bow rider and are now looking for a deck boat. I would like 22'-24' for a better ride. Alas, these tend to be" to heavy" for my 4000 lb lift.Can't do a boat and anew lift. Does anyone go over the rated capacity on their lifts? I'm guessing it would be 500+lbs over(fuel, me ,etc.) Or is this just a stupid idea, thanks.