It sounds like you're dealing with a complex situation regarding the Boat Safety Scheme (BSS) certificate for your Zodiac Project 420. My advice would be to consult directly with a different certified BSS examiner for a second opinion. They might have a more reasonable approach or suggestions that align better with the actual needs of your boat without requiring extensive modifications. Additionally, reviewing the specific BSS requirements yourself could help you better understand what is necessary and perhaps challenge or discuss the expert’s list more effectively. In the meantime, you might consider renting a boat. I recently
rented a yacht in Miami [boatyachtrentalmiami.com], and it was an exhilarating experience.