As long as you do not need 3 zone volume control, then consider a 4 chnl marine amp. No issue at all for a quality marine 4 chnl amp to drive 3 pair of 4 ohm speakers. What you might think you gain in longevity by running a very budget friendly 6 chnl in 4 ohm x 6, you can very well lose in build quality. Whats to say that price-point 6 chnl has more heat sink and a more robust power supply, then the better built marine 4 chnl. Ill take 50 quality watts over 100 cheap watts any day.
With a sub coming into the equation, you might be able to spread out your budget by going with a 4 or 6 chnl amp that can drive your 6 in-boats and woofer. So now a $600 HTX-6 marine 6 chnl isnt looking to bad. Or even the Syn-DX6 for a higher output system with 100W rms for each speaker and 600W for a woofer. one amp to wire and install over two can same some time and cost on incidentals.
For a boat that lives on the water, ID suggest a marine amp.
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