BTW 2 and 3 inches.
I went back and forth on it, and rather than pick up an extra piece of plywood I went ahead and cut what I had to see where the 48" fell. I still have a few tweaks around the cutouts to make that will get the sole totally flat, but once done at the outer edges the sole will just kiss the hull or float slightly. As I said earlier, I can only guess my bulkheads are a little tall at the bottom (and keelsons match).
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I experimented a little with trying to plane and sand down the keelsons and bulkheads, but that will take a lot of time to get 1/4"-1/3" so I took a break to consider my options.
1 is to buy a couple sheets of plywood (I'm fortunate to have a local source) and make a 3-piece sole, cutting longways so I can get the roughly 52" I'd need side to side.
A simpler option might be to cut some strips to fit outside my current sole. Tapered or even notched on the edge to slide just under the sides of the sole, and sized to effectively run to the hull/sides joint. That would create a slight inward slope all around. The following picture might help visualize the idea (though it obviously doesn't fit as I described - its just a random scrap).
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Interested in any thoughts on these options (or any others you may have).