Re: Jet 45 on a 16' harbercraft
Mine is a real howler, and same as you describe: louder on shore than it is in the boat. The jet pump intake on mine sits about 2" above the back of the hull, at the top of a tunnel, and due to the fact that exhaust comes out over the water, it is loud.
You shouldn't need new shims, there are typically 8 or 9 of them on the main drive shaft. By moving the shims from the bottom to the top of the impeller, you bring the impeller down, closer to the sleeve, and the resulting tighter clearance gives you more power. Just make sure that there is enough clearance there to slide a paper between the impeller and the sleeve. I think that article explains it fairly clearly.
good luck