Source? USCG is normally very conservative, in my experience.
Thank you, Mr. Armchair General, sir.
I used to have a 19 footer and had read up on what the numbers meant. Here is a recent document: I added the boldface. You can do a simple web search and find similar statements on many boating sites.
"There are a number of variables that boat manufacturers consider when determining the maximum person capacity that appears on your Capacity Plate.
One of those variables is the weight of each person.
Boat manufacturers typically use an average weight of about one hundred and fifty pounds per person to calculate maximum capacity. It can be a little more or a little less, but if some or all of your passengers weigh over one hundred fifty pounds, you may have to decrease the number of passengers you can safely take on board.
Remember, the maximum person capacity is a guideline that you have to adjust given the weight of your passengers and the other supplies you are taking on board.
If you are carrying heavy equipment, you may have to further reduce the number of passengers."