I'm an experienced driver of a 3.5 Zodiac
bottom) with 25HP.
Biggest issues are falling out of it in rough water if you are steering
from the engine (non centre console model), so make sure you always wear the engine cut-off lanyard.
As far as weight distribution, not much of an issue as long as it gets on the plane successfully and quickly. It would take a good solid 2 metre wave to even come close to tipping you over if you hit it straight on.
What you can't do is have a wave hit you side on.... that's when things go bad.
Something else to watch out for is not sitting too far forward in rough weather
, you will severely damage your back / spine, not pretty!