I am also located in the Chesapeake where the days can easily get in the 90's & very humid. I had a guy from Annapolis Cruise Air, Denny, come by & look at my boat before I even bought the unit & he said a 12K would do fine for the same reasons Glenn referenced. It has been used for 2 seasons & cools the boat fine, even on very hot days. I get a good bit of condensation & have the drain pan plumbed to the raw water output. It also does a good job of warming the boat up in the cooler months. The unit is installed the same location as Glenn's, Nav locker. I only have 2 vents, one just above the unit on the top surface of the Nav locker & a 2nd to the aft cabin. The vent on the top of the Nav locker has the fins adjusted so airflow is directed the top middle of the salon. I also have 4 fans aboard to move air around, 1 aft cabin, 1 fwd cabin, 2 salon, 1 port 1 starboard. Airflow helps a great deal making down below comfortable.