Tod, Lets not confuse people. I know you didnt mean it that way but your comment about commercial boats needs clarification. I understand it meant in general a boat manufacturer but that word commercial means much more in the boat manufacturing business and its generally not a good thing with USCG safety in mind.
Commercial boat builders do NOT generally adhere to the USCG standards are ussually are only rated commercial because the builders are cutting corners and saving money and do this because of some loop hole that allows them to do so without adhering to USCG standards currently. This is changing the USCG recently contacted state officials to ask them not to register boats that are commercial and do not have the proper HIN on them. A sure way to determine a commercial built boat it it cannot have a HIN on the transom of it by law and your basically buying a boat that for some reason the builder doesnt want to follow USCG standards for what ever reason that may be. Generally its the foam issue. Duck hunters want as much space as they can possibly get and they dont even think about safety when buying these boats.
A recreational boat is one build by a manufacturer that follows USCG standards are has a HIN on it and is tested to meet these standards and will HAVE floatation in them. THe only exception is canoes and kayaks for some reason i am not sure why. They will sink just as easy as any other boat without foam.
Something I want to add wooden boats have bouyancy and this may be why boats 100yrs ago didnt need foam. they were wood and would float all alone without it.
Here is a very very good video about this whole situation currently with the USCG and the Commercial boat issues we all face today. So if you see a boat being called a commercial boat. My suggestion unless you dont want a boat that meets USCG standards and is ussually over rated for HP is to run not walk away.
Check this video out for even greater detail as I am no master on this whole mess. Just what pieces and parts I can fit together. I can tell you a commercial boat is BS unless its truely a commercial fishing vessel. And all other boats should adhere to USCG standards. PERIOD. Any manufacturer who does not is doing so for a reason. Simple as that. And that reason is generally because they cant get enough floatation in the boat for persons capacity or HP ratings to make the boats something people will buy.
http://www.youtube.com/watch?v=JbaTyDqitSM