I dont know about the double zerk... my boat only has one and no 2nd hole, mine is a newer design tho (2014) so maybe different? However I think I would put one in for the simple fact that any water in your bilge is going to seep into that hole any time you are higher in the bow and surfing. Seems counter intuitive to me. Since there is a bushing that drops into the top, you would think that zerk greases the bushing and the lower one does the middle area? On mine.... my zerk is basically where your lower hole is located in the picture.
For greasing, I put in a couple pumps and then turn the steering wheel back n forth a few times and then a few more pumps, I also put some grease on my arm pivot points. You can also drop the rudder to re-build it if needed as they do need that over time, its a fairly easy process if you watch a couple utube videos. It does drop out the bottom of the boat so you will want something or someone there to catch the rudder once you loosen up the steering arm at the top. May be a good idea to mark the steering arm and the housing so you re-install in exactly same position as before.
Seems more likely to me tho that if the steering is that tight, you need a new steering cable since they stiffen up and start binding due to corrosion from the moisture in bilge. Should have a number on it so you can buy replacement. Pro tip.... use the old steering cable to pull the new cable thru so the routing is the same as its hard to get the new cable thru in some of those areas.
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