2500 - I carry an umbrella policy so I can't be much help on the insurance issue as I just don't know. If it were me and it didn't make a difference in your ins., I'd stick with a 250XB. (If you can get your hands on one.) The power to weight ratio is probably the best built by Merc and the performance is almost bullet proof. However, the price of fuel virtually makes it cost prohibitive. (LOL!)
I checked a while back in a similar discussion with Merc Hi-Perf veteran Doug Cody, the Hi-Perf Tech Rep out of Suwanee,GA, who told me the Merc assembly line performance tolerance is about 1-3% over the cowling rating at the prop. (an aside - His nephew Tony has wrenched for the Merc support trailer for several years now. If you see him, say "Hey!" from Big Dan.) If you can find one in the 10% over rating, I'd definitely hold onto it. That's an awesome stock advantage, allowing a bump up in a wheel size or two. Good luck with the new toy!!
Trep - Now you can go shopping for a ski pylon and a high five wheel for your rig!!